Credit

0% Apr Credit Cards

The annual percentage rate (APR) is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest rate as a yearly rate. Learning that a card offers you a 0% APR is great but it likely only lasts for a certain period of time. The introductory annual percentage rate (APR) is the rate that is offered to new cardholders for a specified period of time, such as 3 or 6 months. Often the introductory APR is much lower...

Canadian Online High School

Q: Is anyone familiar with any Canadian online high school (10- 12) credit courses? A: - The Florida High School: http://www.fhs.net The Concord Group Virtual Highschool: http://vhs.concord.org/ The Houston Independent School District's Virtual School: http://hs.houstonisd.org/virtualschool/ - I am a Web Project Specialist for The Florida On-Line High School. We are a publicly funded institution with approximately 5000 current enrollments across the entire state. If you have any questions, I would be glad to answer them. - The manitoba dept of...

Accelerated Bsn Programs ?

Q: I am a BA returning for my BSN looking for accelerated BSN programs. These allow students who already have a bachelor's degree to obtain the BSN in a concentrated time having completed certain prerequisites. So far I have only encountered such programs at the Univ. of Pittsburgh and Univ.of Michigan. If anyone knows of any others, i would GREATLY appreciate the info. I'd like to my options to be a little bit greater.A:Creighton University in Omaha,NE has a program. I am not sure of the particulars but I believe you must have a BS or have taken the...

Account In Arizona Debt Collection Agency

Q: What is the statute of limitation for collection for a credit card account in Arizona? Is the time suspennded if one moves out of the state for a while? Also can a collection agency garnish my wages if they were to get a judgement against my wife for a debt that went bad befor we were married? A: What is the statute of limitation for collection for a credit card account in Arizona? Is the time suspennded if one moves out of the state for a while? Also can a collection agency garnish my wages if they were to get a judgement against my wife...

Account, Will That Have Any Negative Impact On My Credit Score?

Q: I have a credit card account that I want to cancel. It's a Merrick Bank partially secured VISA card ($300 security deposit, $2,500 credit limit). I always pay the balance off in full each month whenever I use this VISA card, so I have a zero balance. I want to cancel it for two reasons. The first reason is that they insist on billing me $3.00 each month for the annual fee instead of allowing me to just pay one $36.00 payment for the annual fee. So, every month, even if I don't use my card, I have...

Accredited Online Bachelor Degree

Q: My niece has asked me to help her find a way for her to finish her Bachelor's Degree in Human Resources after recently having a baby. I suggested she might find online courses a viable alternative for her and I have looked at a few programs online. She is asking if University of Phoenix has a good program and reputation for online degrees. Anyone have any experience or insight into this?A:The University of Phoenix has a solid, though hardly "outstanding", reputation for offering fully accredited degrees via online and site-based programs. It is a very large school with...

Accredited Online Degrees For People With Prior College Credits!

Q: I received a an Associates Degree in 1976 and completed a total of 120 credit hours towards a Bachelors Degree in Business, from 2 different State colleges, lacking only 2 Literature classes, from graduating at the time. I have operated several small businesses through the years and plan to retire, but find myself wanting the Bachelors credential for myself. All the colleges I have contacted now require me to complete 36 credit hours in order to receive a Bachelors Degree. This seems like an unreasonalble number of hours. Wouldnt I be better off applying for entry to a...

Accredited Online Degrees For People With Prior College Credits?

Q: Are there accredited online degree programs that may require less credit hours? Are there Online colleges that are genuine and accredited?A:If you are wanting to go on to graduate school and get a Master's Degree after you get your Bachelor's, make sure that the school you want to go to will accept your online Bachelor's Degree -- they might not. Are there examples of traditional universities refusing to accept degrees earned online from accredited schools? I ask because the admissions officials surveyed regarding this question. He asked how acceptable a degree would be earned 100% non-residentially. ...

Accredited Online Master Degree Program, Totally Online Www Masters Level Graduate Programs

Q: Does anyone know of Universities offering totally online accredited WWW Instructional Technology masters degree programs? Please send me some information on those if you know of any.A:George Washington University has an Educational Technology Leadership program, offered through the Jones College Connection. Reach them online at www.jec.com, or visit GWU at www.gwu.edu, and search for ETL. I'm currently enrolled in the program, aiming for my Master's degree; I can't recommend it highly enough. In addition to its Internet component, there are weekly videos which, if you have a sattelite dish, you can view for free; otherwise you can...

A Credit Card?

Q: Anyone know of a place where you can get a free credit report without using a credit card? I would like to rent a car and they need to know my credit score. It needs to be a "B" or above they said. I would like to check this out for myself so there are no surprises. A: If you live in the western US, www.annualcreditreport.com will get you a truely free copy from each of the big three. Be careful - there are lots of shill agencies out there that use a "free" report as a come-on for selling their...

A Credit Card Online?

Q: Anyone know of a place where you can get a free credit report without using a credit card online? I would like to rent a car and they need to know my credit score. It needs to be a "B" or above they said. I would like to check this out for myself so there are no surprises. A: -If a car rental place wants a credit score before renting, and they want your business, they will get it themselves. Do they want your business or are they indirectly telling you to buzz off? -If you live in...

A Credit History Check And You

People have probably told you for years just how important a good credit score is, but if you haven't listened, you should. There are many reasons why you need to have good credit and they include school loans, home loans, to buy a new house, car or furniture and even to get a good job. No matter what you're trying to buy, if you have to be put on a payment plan to get it, you are going to have to have good credit. A company won't give someone the option of paying per month if that...

A Credit Rating Check

When you're trying to rent an apartment, you will find that the company will run a credit rating check on you. They will take your basic information and put it into the computer to get your score from the three different bureaus. Your score will tell them if you're a reliable renter and a person that pays bills on time. Your credit score will reflect your past rental history as well. It will show if you didn't pay your rent on time, if you still owe a rental company money and so on. If you're...

A Credit Report (e.g. What's The Range, What's Good, Bad)?

Q: Could somebody tell me how to read a Credit Risk Score from a credit report (e.g. what's the range, what's good, bad)? A: From my experience, the perfect score is 800. And if your score is 700+, your pretty good. 600 decent, and 500 probably marginal. ...

Action?

Q: I have been taken to court for release of automatic stay by a mortgage company. An agreement was made that allows foreclosure for future defaults. My question is If I default again must they file a court action? Or do they simply knock on my door? A: It depends on which state you live in, and the terms of the consent order. Generally, the creditor must readvertise and reauction the property. ...

Advanced Math Classes Through Distance Learning?

Q: Hi, does anyone know of any colleges or universities that offer advanced math classes (beyond first year calculus) via distance learning? Thanks!A:I don't think it really matters, as long as they are acceptible to US grad schools. I might like to go to Econ grad school some day, but I need to take a break from full time school and get a job. So I thought I might continue studying math via distance learning. The current online college I attend offers Linear Algebra, and Discrete Mathematics, as well as Calculus I,II,III, and IV. It's baker college (www.baker.edu) They also offer a course in Statistical...

Advice For Business Credit Report

Q: I'm trying to get my business account in order for taxes, and am having trouble understanding the best way to handle my business credit card transactions in Quicken Home & Biz 2002. Everything's hunky dory when I pay for things out of checking, as I get line-item specificity for each transaction within the main business bank account. But I don't know the best approach for the credit card. I'm about to delete the credit card account I set up and enter everything all over again once I figure this out, so want to get it right this time....

Advice On Business Undergraduate Degree

Q: However, I've come to a point where I would really like to get an actual undergraduate degree in Business Administration, and eventually go for an MBA: I am still working, this time with a new startup, so a distance learning plan makes the most sense to me. I've come up with a few options, but I'd like to get some feedback from the people here on what they think would be best. Any alternate options to speed things up based on work experience would definitely help. I've also co-authored a couple of computer books, and I...

Aeronautical Engineering

Q: I am a comercial pilot I am trying to get a degree in Aeronautical engineering ..I would appreciate it if anyone could give me some information about it.Say How long is it and How much does it cost and if anyone knows a good place in Dallas fortworth texas USA where i could attend fr this degree A: -Don't know about aeronautical engineering in the DFW area. I attended UT Arlington as an Aerospace Engineering student, they have a very good program. I transferred to Embry-Riddle Aeronautical University in Daytona Beach, FL where they do...

A Few Informations About Bad Bankruptcy Credit Mortgage

Q: How to find Bad Bankruptcy Credit Mortgage informations ?A: We specialize in Florida bad credit home mortgage loans for all credit situations like bankruptcy, slow credit mortgage, poor credit mortgage, bad credit mortgage, tax liens and/or collections are available for about any type of credit situation apply online for a quick approvals. After submitting your loan application one of our loan officers will contact you to discuss which of the many mortgage programs you qualify for! www.anycreditmortgage.biz . ...

A Few Thoughts On Securing A Bad Credit Mortgage Loan

Q: Over spending, the endless nights of partying, eating out and more or less buying everything on a whim, has most likely put a dent in your financial situation and will affect how you live your life for years to come. Clearly, the best option is to dampen your lavish lifestyle sooner than later. Alleviating yourself from huge credit card, as well as other head-spinning debts by assessing your options now, before all those debs start blowing up in your face is one way to right your financial ship. One plausible...

After Bankruptcy, What Are Some Good Ways To Rebuild Credit?

Q: What does a bankruptcy do to your FICO score? After bankruptcy, what are some good ways to rebuild credit? A: That should be the least of your worries. If you are overindebted, your creditworthiness (and never mind your score) will increase very quickly and you will be inundated with offers. As time passes, your score will increase too. After ten years, of course, mention of bankrtuptcy disappears (unless you are foolish enough to mention it yourself in a "voluntary comment", as some have done...) "Rebuilding credit" is, or should be, less of a concern than you seem to...

Ago. I Had Too Much Debt.

Q: I filed an incomplete financial disclosure with consumer credit counseling online about six days ago. I had too much debt. They never called. But I got a call back from a 'shark' consolidation firm that wanted to take me on as their project for a fee of $1,000. With no reduction in monthly payments but the interest rate would be cut in half. Looks like CCC brushed off my crummy application and gave it to someone else who wanted to nab the business. Did I miss anything? What else happened? A: >I filed an incomplete financial disclosure with...

All Current Debt By Paying It Off With The Low Interest Heloc?

Q: Here is my breakdown: HELOC $2600 (no time limit, $50 per month minimum payment) Credit Card $210 ($10 per month minimum payment) Spouse's Student Loan $8700 (years to go...$144 pr/mo) My Student Loan $9944 (years to go...$111 pr/mo) Car #1 Loan $10,200 (4.5 years to go, $201 pr/mo) Car #2 Loan $11,400 (2.5 years to go, $277 pr/mo) Total debt: Total monthly payments for all of the above debt is $733. I have Approximately $50,000 in equity in my home, and was wondering the following: Should I increase my HELOC maximum amount to $40,000 and then consolidate all current debt by paying it off with the low interest HELOC? I...

Amber University (texas): Mba

Q: Can anyone provide information with regard to this school and program? It seems that the school has a good local reputation. The program seems to be challenging. Input would be appreciated, as I'm starting to narrow my options. At this point, AU is high on my list because of both regional accreditation and affordable cost. A: I read quite a few of the messages, but I didn't find specific comments from persons familiar with the school and the program. The comments were based primarily on opinion based on price, former affiliation with another Christian university,...

American Express Credit Card Problem In Money 06 One

Q: Is anyone else having a problem the last 2 or 3 days getting his credit card details from American Express using Money 06 and updating? I had a problem with Citibank Credit Cards that was corrected by turning off online updates and then switching back on. I wonder if I should do this with AE?A: -I am having the same problem in Money 05, any fixes yet? Last time AMEX got screwed up I had to delete the account and re-enter 6 months worth of transactions... -I'm using MS Money...

Am Working On That Has Free Set Up. Anyone Have Any Recommendations?

Q: I am looking for a credit card processing company for an internet site I am working on that has free set up. Anyone have any recommendations? A: -The only free one I know of is paypal. Then you have several others that will process the credit cards for an annual fee and a percentage. You need to look at your anticipated volume of sales, what type of cards you will be processing, ex. AMEX, Visa, MC, Discover and the type of shopping cart features you need depending on if you are shipping a physical product or whether it...

And I Am Trying To Avoid Bankruptcy.

Q: Can anyone point me in the direction of an institution offering decent rates on debt consolidation loans? I have about $9000 in unsecured debt (cards) with one in collections, and I am trying to avoid bankruptcy. Any links or telephone numbers would be appreciated. A: If unsecured credit card debt is what is taking you over the edge towards either a chapter 7 or 13, please visit our site for more details. You may call us, our telephone number is on the web site. We use federal laws, which enable you to terminate your credit card debt without...

And If That Is Different From The Three Credit Agencies?

Q: I was just wondering what the inital credit score is, I mean the score that somebody would have with no credit history eg. a teenager or an immigrant. And if that is different from the three credit agencies? A: -Each credit reporting agency (3 majors, lots of minor ones) generates its own score and passes that number on to business subscribers. The most famous score used by credit reporting agencies is from FICO (Fair Isaac Company), but there are others. -I think the normal range for credit scores (FICO) is 300 to 850 (the average score should be...

And It Must Do Real Harm To Your Credit Rating?

Q: I am looking to get rid of my credit cards, I have seen many adverts for debt consolidation services, but surely these places make a profit on you, and It must do real harm to your credit rating? I was wondering if anyone could advise me whether it would be wiser to get a low interest loan (7.1% is the best I found) or go through a debt consolidator? The amount on all cards combined is about ??10,000. A: Well, "thrill-seeker", the first step is to start spending less than your income. Otherwise, if you borrow more you...

A New York Minute

If you like the Olson twins, this film is for you. Mary-Kate and Ashley Olson, along with Eugene Levy, star in this 2004 production with the usual story line and plot twists. The girls take on New York and wriggle their way through a number of tight moments and romantic interludes to learn something about themselves and the world in which they live. Though there are few surprises, those who enjoy romantic comedies will not be disappointed. Although the Olson girls have been trailed by scandal in recent years their box office appeal has not dimmed. Boyfriend woes, anorexia, rumored drug...

Angel Credit Card Good

Q: That is what you think? THAT is why you believe the price is so high? The answer to this is so mind numbingly simple I can't believe you see otherwise. It sells for $1500 because it can. It IS that simple. People are willing to pay it. The price is what the market will bear in just about anything. Why did the price of the average custom autococker suddenly balloon after the introduction of the angel? The angel was a whole new highpoint in expensive markers on it's introduction. MSRP of...

Anonymous Prepaid Credit Card Should Or Not

Q: Does anyone know of any prepaid/disposeable credit cards? I'm looking for something like: http://www.bankofamerica.com/giftcard/ You have to pay up front, and you probably have to pay a service fee too. But it may be worth it, eg., to limit the time and/or amount of charges made. Sure you can get probably get fraud protection from a regular credit card, but I don't like the idea of companies keeping my "account information", for extended periods. And I don't want the worries of tracking and/or disputing charges should something go wrong....

Anual Credit Report Com

Q: A lawyer told me the contract is unenforcable since you didn't actually sign anything. I can't attest to that being true or not, but I really don't see Sprint taking you to court over $150. It really wouldn't be in their best interest. Do you think it is too expensive for me to afford?A: That's true, they won't take you to court, they will send you a few bills, send it to a collection agency and if they can't collect, they will write it off. Did you happen to...

Any Hassles For A Non-us Resident Getting A Pre-paid Credit Card?

Q: Does that sound like a good deal? Also, are there any hassles for a non-US resident getting a pre-paid card? Does anyone have in recent experiences using a mobile in the USA? I am considering buying a CDMA phone over there and using Virgin Mobile prepaid which is U...@0.25/min for the first tem minutes per day and then US$0.10 per minute after that. Does that sound like a good deal? Also, are there any hassles for a non-US resident getting a pre-paid card? A: -GSM coverage (1900MHz) isnt too bad these days, but roaming charges are outrageous. ...

Anyone Can Help Me In Debt Settlement Problems, In California ?

Q: anyone can help me in debt settlement problems, in California ? Whew...where to start. About 6 weeks ago, my wife who I've been with for 18 years, announced to me, after about 8 months of a friendship with a girl that seemed "strange" to me, that she is, and always has been, gay. She's not been staying at our home anymore, and we've done a lot of talking. We have a 9 year old daughter, who we both agree will stay with me, hopefully in the house we bought a little over a year ago. We...

Anyone Ever Use A Debt Counseling Service

Q: I'll try to make this short. (If I'm in the wrong ng, let me know) I've recently had to quit my job because my husband & I moved out of state. We have 3 children and I now stay at home with them full time. I've tried to find a part time job 2 days a week (daylight hours) because that is the only time I have a free babysitter. (My mom) So far the places I've applied said I wasn't flexible enough. My husband works swing shift, so I can't count...

Anyone Ever Use A Debt Counseling Service Management Pr

Q: Anyone ever use a debt counseling service? management problem ? I'll try to make this short. (If I'm in the wrong ng, let me know) I've recently had to quit my job because my husband & I moved out of state. We have 3 children and I now stay at home with them full time. I've tried to find a part time job 2 days a week (daylight hours) because that is the only time I have a free babysitter. (My mom) So far the places I've applied said I...

Application Aspen Card Credit Information

Q: I think I've come up with a solution for creating one book for both DHTML and CD with the emphasis on DHTML. Firstly, we do .wmv video's and some .swf files in nearly every .tbk book we have. We use Action Script to find a server name if the video is ran off of a server. If it isn't on a server, it plays the video locally using a relative path. There is a lot of interaction, .mp3 audio, etc. Now, we develop our CBTs for the Aspen LMS using AICC...

Application Bank Card Credit Na Online Information

Q: I recieved the following email: This is a reminder to complete PayPal's "Credit Card Processing Services Agreement" process. As we informed you in a prior email, this agreement is for PayPal members who receive a large volume of credit card payments and was introduced in order to comply with MasterCard?(R) requirements. This supplementary agreement does not replace PayPal's existing User Agreement and will NOT change the way your PayPal account works. The Credit Card Processing agreement simply clarifies many existing policies that an online seller needs to comply with to...

Application Big Card Credit Lots?

Q: I shudder when some over educated authority decided to impose their standards in the decision-making, and presume everybody are receiving the same pay packet. CONFUSION, worry and anger were some of the reactions expressed by parents and last year's O-level students over the new way of applying to post-secondary institutions. According to the Ministry of Education's website, this should be done online and requires the use of a Singapore Personal Access (SingPass) password, while the $7 application fee has to be paid for online. Previously, students could choose to apply online or at the institution of their choice,...

Application Business Card Credit Pdf Interesting

Q: complex text reports (subtotals, totals, grand totals, etc.). I'd also like to display data in a grid object (like Java's Jtable.) Finally, I want this to run on the Mac, Linux, and Windows.... with an install as easy as possible and able to be performed by a non-techie. Thus, I don't want to get "involved" with a 3rd party widget library (wxW.., Qt, etc.) that might make the install a nightmare for the user. Is there a native Python library to do grids? How do you folks "layout" complex reports and...

Application Card Credit D Instant Online Easy To Do

Q: Any free projects with source? Other suggestions on adding credit card handling?A: I found the following code samples and applications that help you to verify a credit card entry. I am including below a list of these: - BV Commerce 2.0 http://www.bvsoftware.com/ BV Commerce 2.0 is shopper friendly. Features such as a keyword search with advanced options, an elegant user interface and streamlined checkout process make shopping quick, easy and pleasant. Order fulfillment is flexible and robust with a variety of payment processors, PayPal integration, the...

Application Card Credit Scam Scams Good Or Bad

Q: Please can somebody give me some advice, to summarise my situation, I own a business/company. Someone took out a credit card application without my consent/knowledge. He or she somehow manage to pick up a phone call from my premises to confirm they are resident at this address, thus the credit card company issued the card to this address. He or she also managed to intercept the mail which contained the credit card. Ran up the credit card bill until over-limit. Now the credit card company wanted to claim this money against...

Applying For A Credit Card

If you are thinking of applying for a credit card, but are not sure if you can even get one due to bad credit or a lack of credit; let me tell you that this is no longer a problem anymore. Maybe you didn't realize that applying for a credit card is pretty easy. Applying for credit card is now even easier than ever when you do it on the Internet. You can fill out an application for credit cards online and you don't even have to wait to get approval anymore. If that doesn't make it easier, then surely...

Approved Based On My 1 Year Canadian Credit History?

Q: I have been living in Canada for 1 year. Both my wife and I have decent jobs. As advised on this group before, I got a secured VISA card last August and make full payments every month. My question is: Can I apply for a platinum credit card now and get approved based on my 1 year Canadian credit history? A: -This has nothing at all to do with your immigration or time in Canada and noone in this newsgroup can ever provide you with this answer. The only way you can find out is if you...

A Question About Bad Bankruptcy Car Credit Loan

Q: As of January of this year one of the discharged accounts is still currently being reported as over 120 days late, which appears to be negatively impacting our attempts to rebuild our credit. On a different part of the credit report it appears that this lender marked the debt as a charge off through bankruptcy, but it's still showing a new update from January from that lender stating the "over 120 days late" and the amount that would be due now as if it had not been discharged. Is this...

Arbitration For Your Debts ?

Q: This is NOT credit counseling, debt consolidation, debt management or refinancing. is it arbitration for your debts ? A: - You have no "right" to arbitration over a debt. - It's in your "terms and conditions" on your credit card. You know that legal mumbo jumbo nobody reads when they first receive their credit cards? This is why Americans are so ignorant b/c of stupid people like you. Get a life and get educated moron! Your creditors don't give a crap about you or your debt as long as you pay them what's owed and more. The interests in itself...

Are Credit Scores That Tough

Q: I am 28, I have had credit cards since I was 16, I never used them until I got to college, even then my typical monthly balance is around 300. I always pay it off every month, I have never been late on any type of loans, etc. When I pulled my fico score last year it was 780 (from experian). But I was only in the 83% tile. I heard anything over 700 is good. My friend pulled his score last night, he got 690, 720, 750 from the 3 companies. He has 1 credit...

Are There Any Accredited Online Schools?

Q: Are there really any accredited online schools? If where can I find out more about them. A: I assume that you are talking about colleges and universities. Well, more than half of the accredited schools in the United States now offer at least a few classes on-line. Several hundred offer at least one degree program by distance education (mostly MBAs). A smaller number seem to be going on-line in a big way, most specializing in providing distance education in specialized areas, and there are several initiatives underway to start entire on-line universities offering degrees in many fields. When...

Army Correspondence Course Online

Q: AIPD has a great site for correspondence courses but, you can not get the AMEDD courses from there. Does anyone know of an AMEDD site. All those infantry courses are good, but I would like to be able to knock out the ones relevant to my MOS at the same pace. Gotta get those STPA points in.A:There is an e-mail address on the AIPD site for AMEDD. E-mail them and they will set you up. You have to fill out the paper form like the "old" days... but they will tell you exactly what to do. ...

A Simple Plan For Credit Card Debt

Credit card debt is very easy to accumulate and very difficult to get rid of. It seems that anyone these days can get a credit card - offers for new credit cards are regularly mailed to customers each day and some people choose to have many different cards. Even stores allow you to have credit cards, helping you build up your credit card debt. Once you have credit card debt, high interest rates, new purchases, and annual fees all make paying off your credit cards each month challenging. Credit card debt has an unsettling way of...

Ask About Forex Training Course

Q: I am a (former) MUMPS programmer, like some of you here. I have been working for a living with MUMPS since 1991. But do you know what I found out? After the Web became very popular (in the late '90s), it became possible to make money with a PC in ways other than programming. For example, are you familiar with currency trading (FOREX)? It is done with a computer and internet connection. The good thing about it is that you can make money without having to deal with customers. I am still new in the area of FOREX, so I want to buy some training courses to help me...

Asking For Aggravated Damages

Q: My case is in the County Court and allocated to Multi-track. I'm the Litigant in Person and bringing a claim of harassment against my employer under Section 3 of the Protection from Harassment Act 1997. My particulars of claim is asking for damages for anxiety and distress but I want to amend my statement to include the malicious manner the defendant is behaving in order to defend the claim. I am still employed by the defendant and consider the lengths the defendant is going to discredit my evidence is further harassment. I would like to know when I can/should bring up...

Associate Degree?

Q: The associate's degree is primarily a US invented degree... it was intended to recognize those who went to University for two (instead of the usual four) years of University... hence, it is NOT equal to a Bachelorate degree... it is like half of a Bachelor's degree then... The US associate degree is equivalent to the first two years of a traditional four-year bachelor's degree program. That is to say, to complete an associate degree, you need around 60 semester-hours credit. A bachelor's degree requires around 120 semester-hours credit. Credit gained while studying for an associate degree can...

Associate Degree In Accounting Online?

Q: Does anyone have any knowledge about a good online certificate or associate degree in accounting for people who already have college credits. There are so many out there and it is very confusing knowing which are the good, cheap and quickest to attend online. Doesn't University credits carry over to online schools?A:Some schools are very flexible about accepting transfer credit, some are not. You might want to check into Thomas Edison State College, Excelsior College or Charter Oak State College -- these are most often mentioned as among those most liberal about awarding credit for prior learning, through transfer...

Associate Of Art Degree?

Q: I'm interested in talking about art colleges. It's a shame this place has been spammed so much. Anyway, I was interested in talking to people about post bacca o major in something at art school. I read in Art Center's catalogue that a lot of students there already have BAs or have transferred from other schools. My school is very liberal arts and the closest I can come to majoring in anything practical is visual arts (studio art). Still, I get the sense that it's gallery oriented versus graphic design...

Attempt To Include Her As A Creditor By Naming Her Cards As Part Of My Debt?

Q: I'm on the verge of filing for divorce and bankruptcy in the state of Kansas. No children, no major property issues, just a major credit card debt. All but 4 cards are in my name. The other 4 cards are in her name. All the cards, and the debt occurred during the marriage. She refuses to file bankruptcy as a married couple, (to eliminate her credit card debt so she wouldn't have to worry about being saddled with debt) but makes it very clear that she expects me to pay her cards off as part of the divorce...

Auto Bad Credit Day Financing Same

Q: Have you ever dealt with a car dealer for financing, they assure you that your credit application will be approved, you are given the car to drive, and then a week later the car dealer asks for the car to be returned?A: -it's a scam. they make more from the financing than they do from the car sale, and they want to jack up the interest rate and monthly payments. 2 very good rules about purchasing a car: NEVER go car shopping without a pre-approved loan in the price range you're willing to pay, and...

Auto Financing With Bad Credit

Q: I am shopping for a new car. Because I have some bad credit, it seems I have to pay very high interest. I do have a good paying job(about $45K a year), and in fact I have at least $6000 to put down. Is it possible for me to a get a lower interest financing? I'm looking to get an Altima at around $15000.A: -My advice is to shop around. Arrange credit through your bank or credit union, not the car dealership. -Anyway, your assumption (that bank/credit union financing is inherently better than dealership financing) doesn't wash....

Auto Financing With Bad Credit

Q: I am shopping for a new car. Because I have some bad credit, it seems I have to pay very high interest. I do have a good paying job(about $45K a year), and in fact I have at least $6000 to put down. Is it possible for me to a get a lower interest financing? I'm looking to get an Altima at around $15000. Please feel free to follow up with any experience you had or any advice you care to give.A: My advice is to shop around. Arrange credit through your bank or credit union, not the...

Auto Loans

If you have ever dreamt of owning that special car of your dreams. You can get one by applying for any number of auto loans. Just about anyone can get a good auto loan these days as loan companies are fighting just to get your business. You don't even have to have perfect credit any more either. Now you can apply for and get approved for an auto whether you have good credit, bad credit or no credit at all. Of course, the best way to get a car loan approval is to have the better credit scores because when...

Automatically Void Their Employment Contract.

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The Chase credit card company has a credit card to suit just about every applicant that wants one. There are credit cards for those with bad credit; good credit; no credit; excellent credit etc. Chase offers gold and platinum cards as well, if you are qualified for one of those. The popularity of Chase is steadily increasing every year. Did you know that the U.S. consumer and commercial banking businesses currently operate under the Chase and Bank One brands? These businesses include retail banking, credit card, home and auto finance, small business, middle market and mid-corporate banking. Once the merger of...

Chase Credit Card

There are so many credit card companies on the market today that it can be impossible to find a legitimate company that can provide you with the kinds of rates that you will be okay with. That is why you should consider getting a chase credit card. When you want a credit card that has great interest rates, chase credit cards are there to help you. When you go through chase, you can find any kind of credit card that you need. Chase is now partnered up with bank one so that you can get the best rates possible no...

Check Consumer Credit

Smart consumers are always curious about their credit score and how to get check their consumer credit. While credit agencies used to keep such information next to impossible to obtain, there are now a number of answers to the question of how to check their consumer credit. Thanks to federal legislation, consumers can now get all their consumer credit check by visiting a single Web site. All three major credit reporting agencies, Equifax, TransUnion and Experian, are now required by law to give consumers access to their credit check file for free once a year. By going to annualcreditreport.com, consumers can...

Check Credit

Q: I was just wondering if anyone checks their credit reports on a regular basis? Identity theft seems to be increasing- reports have tripled this year. Many of the new cases are web-related. In polls of Web excecutives, it seems that a full 64% are fearful of having their own identities/accounts stolen or hacked. Of course, one of the main recommended steps is to order credit reports from all 3 major credit reporting agencies at least once yearly. This could get expensive if a couple orders reports for both...

Check Credit History

Q: I have, at best, a crappy credit rating, and I am concerned this may go against me when I fill in my address history information on the G-325a form. Does the INS check the credit history on the addresses I supply, or is it simply a criminal record check? Also, if it is just a criminal record check and as I am clean, do I need to list all the (10 or so) addresses I have had in the past five years? After all, UK ...

Check Credit No Qualification Refinancing

Q: I'm looking for some advice concerning my current financial situation. If there is a better place to find information or ask these questions, please point me in that way. Thank you in advance for any help you can give! Here's my current situation: - I have $13000 in credit card debt. I'm currently in a credit management program, and am making $317/month in total payments to my four credit cards. The average interest of the four cards is around 12.5%. My credit score (Experian) is around 600, and is getting...

Check Credit Rating

Q: I phoned up to apply for a personal loan today, not because I want one but because someone suggested it as a good way to find out if you have a good or bad credit rating. I was quoted 6.1% APR at the start of the call, then full details were taken and after this the advisor came back and said they would offer a loan at 7.7% APR. When I questioned this they told me this was as a result of my credit score based on what I had told...

Check Credit Report Online

Q: Does any one know of any sights online you can go and check your credit report for free? I tried the sights that were on tv and its all for the US only and most require credit cards to orderA: While they are 'required' to provide you with a copy of your credit report, by mail, free, they may try to sell you a rating number for fee. IMO you do not need to buy that. When you get your report, which I did after some 48 years in Canada, check ...

Check Credit Score

Q: Recently I requested and received a free annual credit report. Instead of getting reports from all three agencies I randomly selected Experian. This is the first time I have seen my credit report. There are at least two errors; my employer (they list someone that both Google and I have never heard of), and they show an Amex card that I canceled a few years ago as still open. The Amex card shows a $55 dollar balance, which is the amount of the annual fee. I canceled the Amex card three or four years ago. But on the...

Check Credit Score Online For Free.

Q: Anyone want to recommend a good online credit report site. I would like a 3 bureau report and credit score. Don't mind paying, in fact I've always heard to stay away from the 'free' sites. Didn't get the rate I was looking for on my lease buy-out from the stealership (not bad but not what I had expected), figured I better look at it before I hassle em' or apply elsewhere A: On the contrary. You should take a look at your credit at least once a year. I recently went in to purchase...

Checking Accounts For Bad Credit Customers

Even if you have completely ruined your credit, there are still checking accounts for bad credit customers available if you are willing to follow their rules. If your credit rating is very low, and if you have a history of missing payments and bouncing checks, you may not be eligible to open a new checking account at many banks. However, there are some banks that will allow people with bad credit to open checking accounts if they follow certain strict rules and regulations. Checking accounts for bad credit customers often involve a minimum balance requirement. For instance, the...

Check Your Credit

Q: Got any loans? How's your credit rating? It was one of those things that one intends to, but never get around to actually doing, right?. The credit recording companies/agencies are required to provide you with your credit record information, free, by law. So, after nearly 50 years working and living in Canada I checked mine, for free, for the first time. The procedure requires you to make a request proving your identity and the information is mailed to you within a few weeks. You have to be careful requesting...

China Offers Payday Loans For Us

Q: China Offers Payday Loans for Us ? Sprouting up across the land are E-Z credit payday loan shops. Where once the center of town boasted quaint little stores, these have fled, devoured by the financialization of society. And China, on a larger scale, has been giving payday loans to the United States. A current cartoon shows Uncle Sam, hat-in-hand, visiting a Chinese moneylender. The oriental financier looks up from his desk at the disheveled elderly gentleman and asks, "You again?" "We are now in a phase of history where finance rules...

Choosing A Reputable Debt Consolidation Company

If you choose wisely, a debt consolidation company can help you pay off your debts within a few years and can help seemingly unmanageable debt payments seem a little more bearable. If you choose poorly, though, a bad debt consolidation company can take your money, charge you huge fees - and perhaps not even pay off all your debts. There have been several complaints filed with the Better Business Bureau against debt consolidation companies that took money each month from clients and placed it in an account rather than paying off creditors. In these cases, the creditors continued to charge...

Choosing Your Best Debt Consolidation Solution

If you are so in debt that you have a hard time managing and paying your debt payments each month, debt consolidation may offer a solution. If you have been considering this route to deal with your debts, though, you have likely already realized that "debt consolidation" does not mean just one thing. Rather, there seems to be a different type of debt consolidation solution for every individual case. Worse, every company or article you read recommends a different debt consolidation solution as the ultimate answer. So who is right? The truth is that your personal situation...

Circuit City Credit Card - Changes That Carry Convenience

Circuit City sold its Circuit City credit card division, but the name has remained the same. The Circuit City credit card was known for its low interest in times past. Now it seems that customers are a little nervous about the company's changes. In most online reviews of the card, holders have had a hard time adjusting to the sell. Things have gotten a little mixed up, and interest rates have increased since. However, resistance to change is normal and customers have had their Circuit City credit card practices changed without a say in things. The Circuit City credit...

Clark County Credit Union

If you live in Clark County and you need a credit union, Clark County Credit Union may be the one for you . There are many different banks and financial institutions popping up all over the place. There are branches spreading all over the country. And while this may all seem to be a good thing, there are still many downsides to all this. With a credit union, you get more personalized service than you would get from a bank. You get personal service from someone that's friendly and understand you and your needs. You will have a representative to...

Class Ring Pin, Standin' On Pins (was Somethin' 'bout Macy's & Tommy) ?

Q: In my dorm, we used to have two pins side by side in the lobby. A friend of mine used to always sit on one pin and watch me play the other. I think I sat on 'em a couple times, too. Anyway, he would occasionally JUMP off the floor directly onto the playfield glass and land on it in a standing position. Granted, he's not a very big guy, but he could stand on a normal pin with no problem. (I never tried that.)A:It's $40. Trust me. BTW, Financially speaking, if I was...

Client Debt Management Reduction Services

Q: I have a problem with the way the debt reduction management works. I have set up my credit card accounts to pay off the full amount each month and let the debt manager manage the 'bill'. The problems are as follows: 1). The debt manager wants to pay off the full amount of the card not what is outstanding at the statement date. The way money works with credit cards is the the statement comes in and you balance the account using the amount you owe. Therefore when the debt manager wants to pay a bill it should use the...

Collection Agency Naming The Amount Of Debt And The Creditor ?

Q: I just received a debt collection notice from a major national collection agency naming the amount of debt and the creditor. Here's the story as briefly as possible. Roughly 6 months ago I purchased a computer system for about $1600. The website clearly stated it would arrive in 8-12 business days. It arrived in 33 days, dead on arrival. I immediately called the company demanding a refund, and an RMA for a return. They refused claiming a "no return policy" in some fine print that I never saw nor agreed to at the time of purchase. I advised them I...

Collection Calls

Q: I have a collection company that calls and harasses me. It is the same bitch that calls and tries to act tough but all she does is piss me off. I have had some problems but am getting out of the hole and am trying to pay everyone I owe back as soon as possible. The other creditors are working with me but she is a real pain. Any suggestions?A:Constantly interrupt her and ask what size hooters she has, how dripping wet she is between her legs, and other such things "because" you have 7 to 9 inches of...

College Loan With No Credit Check

Q: Im 47..... never been to college. Have been taking some college classes this year..... only 3 hrs per semester plus work full time Im seriously thinking abt going back to college full time next fall..... and either nor working at all of working part time Can I get any financial aid? Where do i start on all this?A: The application procedure for financial aid is the same for everyone, regardless of age. You will need to submit the 2005-2006 Free Application for Federal Student Aid (FAFSA)....

College Student Need Credit Card?v

Q: College student need credit card? My 19 yr old nephew is wanting to get a credit card for use when he leaves for college in a few weeks Ive told him its a BAd idea. That they are not only dangerous financially..... but will also just "complicate" his life up at a time when he should keep things simple and enjoy his college life and experiences. Do you all agree? A: -Its getting harder and harder to get by without a "credit card" However It need not be a financal issue....

Common Misconceptions About The Credit Check Application

One of the most common misconceptions about the credit check application is who is eligible to apply for a credit check. Some people believe that the credit report is a near-mystical document available only to a chosen few. The reality is that anyone with a legitimate business reason can fill out a credit check application to receive the credit history of any individual or other business. Typically, this business reason is that the individual has applied for credit with the company requesting the credit check. Some insurance agencies use credit history to determine rates and even some landlords use the...

Bad Credit FICO Report

Q: In the last 2 weeks, I paid off two credit cards, to the tune of around $6,000. The payments have been posted. Like last year, I want to get the 3 free credit reports, not all at one time. I also want to get my FICO score. I would like to know how long would be a good time to wait before getting the report and score from the time I paid off the two cards? Maybe the report isn't that big a...

Company Credit Check And Employment

If you owned your own business and needed to hire employees, you would want to know a little about their background, wouldn't you? Well, it's for this very reason that so many businesses perform a company credit check before you're hired. It will show them how steady your past history has been and if you're a reliable person. So, keeping your credit in good standing is important. Though other factors are much more important when it comes to hiring someone, credit checks can and have been the determining factor. If a company is thorough, they...

Company Debt Management Relief

Q: In today's world, each and every individual or a company has a certain amount of debt above their cashflow. When this amount of debt increases to such an extent that it becomes a difficult task to pay them off, consulting a debt consolidation management company for suggestions and advice on debt management becomes a necessity. If one doesn't consult a debt consolidation managing company, then paying all the creditors and managing the monthly household budget at the same time would be a very tedious and difficult process. To help such debt-burdened people, many free debt consolidation schemes are available...

Completely Online?

Q: 100% Online Degree Programs Fully Accredited! How would you like to achieve your fully accredited degree completely online? A degree that is recognized both nationally and internationally without having to set foot in a single classroom? Get online when your schedule allows and go to class! A: before trying something like this look into your local community college...Central Piedmont Community College (in Charlotte ,NC) has an excellent "School Without Walls" program that offers many degrees/classes online. However, You never know with operations like that claim "100% Online Degree Programs Fully Accredited!" Be careful when spending time and money on online degrees! ...

Computer Science Degree Available Online

Q: As an avid reader of this newsgroup, I would like to commend Lakeland College (http://199.170.23.12/Lakeland/online/online.asp) as a potential school for anyone wanting to complete a regionally accredited BSCS without residency.A:I have checked this school out before. Regionally accredited. Unless something has changed recently, though, Lakeland offers a BACS, not a BSCS. This may be important to some folks, perhaps not to others. I'd suggest you look carefully at the curriculum. If it deviates too significantly from the traditional ACM CS content, skip it. A BA full of courses like Programming in dBase, Using MS...

Considerations In Refinancing An Auto Loan

Many auto sales lots cater to people with bad or no credit. They advertise that they can get anyone into a car, but this comes at a cost for the consumer. The finance companies that the person gets the loan at an inflated interest rate, sometimes above 25 percent. This can inflate the payments to way above what the car's true value is and keeps the consumer upside down in the payment of the car for much longer than someone who finances through a more traditional source. What options are available for the consumer in a...

Considering Debt Management Services Programany Advi

Q: Considering debt management Services program...any advice? I currently have a great deal of credit card debt and am considering entering into a debt management plan. So many credit counseling firms are out there, it's kind of mind-boggling to choose the right one. Does anyone have any advice?A: -Consumer Credit Counseling Service is a nationwide NON-PROFIT organization which helps people with this problem. They are widely respected as far as I know. -Checkout Debt Counselors of America at http://www.getoutofdebt.org. (non-profit organization status) They have a great real audio broadcast and offer publications about paying...

Consolidate Debt

When you consolidate debt, what you are really doing is creating more debt. If you choose to consolidate debt, proceed carefully for the best financial outcomes. Many lenders will offer homeowners loans to consolidate debt. If the homeowner is not careful, the lender derives all of the benefits, while s/he reaps none. Attractive interest rates can make refinancing seem a great idea. However, there are many things to consider if you take this route to consolidate debt. Some considerations include the long-term picture. Just because low-interest rates are available doesn't mean they are available to you. If you have significant debt,...

Consolidation Of Credit Cards?

Q: Would a personal loan cause bad credit if the reason was for consolidation of credit cards. Would it matter if you change the reason for the loan? A: Getting a personal loan and being accepted for it will be reflected on yout credit history. What it will do to your credit score ... I don't know, it depends on what kind of score you have now, I guess? You may need some expert advice before you do anything, but even expert advice is just that... another person's opinion, not realy knowing your particularly financial history with your debts. One thing to keep in consideration, is a...

Consolidation Organizations Out There?

Q: Does anyone have recommendations or warnings about the various debt consolidation organizations out there? Ameridebt, Ditech, etc.? I am looking for first hand experiences if at all possible. We need to consolidate our credit cards, student loans, etc. and a home equity loan will not work in our situation. Please respond privately to j_t...@yahoo.com. A: I can't say enough good things about the information available at: http://www.budhibbs.com Sure, it's no debt consolidation company, but that's the direction I was heading almost a year ago when I started following the advice on this website. I got my ass out of hot water pretty fast...

Consolidator?

Q: I am looking to get rid of my credit cards, I have seen many adverts for debt consolidation services, but surely these places make a profit on you, and It must do real harm to your credit rating? I was wondering if anyone could advise me whether it would be wiser to get a low interest loan (7.1% is the best I found) or go through a debt consolidator? The amount on all cards combined is about ??10,000. A: Well, "thrill-seeker", the first step is to start spending less than your income. Otherwise, if you borrow more you are only storing up trouble for yourself. The...

Consumer Credit

Consumer credit counseling is of great importance this day and age. Millions of people are in debt up to their ears and are always looking for ways to get out of it. Finding a consumer credit counselor to fit your needs is a great step to take. Getting out of debt can give you the financial freedom you've always dreamed of. Consumer credit counseling is there for those who need help immediately or just want to pay off their debt and avoid bankruptcy. A consumer credit counseling agent can design a plan for you to pay off your overwhelming bills and...

Consumer Credit Check

Q: I just went to a meeting with Consumer Credit Counseling, and found I could get rid of my debt in about 6 years at $530 or so a month, but, then they said that it would show up on my credit report for 7 years AFTER it was all paid off. So, my other option is Chapter 7. Which would be worse - have "bankruptcy" on my credit report for X # of years (is it 10?), or go the Consumer Credit Counseling route?A: A bankruptcy will be on...

Continuing Bad Credit Report After Bankruptcy Legit

Q: Our chapter 7 bankruptcy was discharged last March. As of January of this year one of the discharged accounts is still currently being reported as over 120 days late, which appears to be negatively impacting our attempts to rebuild our credit. On a different part of the credit report it appears that this lender marked the debt as a charge off through bankruptcy, but it's still showing a new update from January from that lender stating the "over 120 days late" and the amount that would be due now as if it had not been discharged. Is this...

Cornell Federal Credit Union

Cornell Federal Credit Union is a great option for someone looking for a good financial institution. There are so many banks out there these days and new ones popping up like crazy. It can be hard to know who to go with for your finances. You may have noticed that there are also many different credit unions and they are becoming more and more popular for many people and for different reasons. Banks have been competing with credit unions like Cornell for a while now. With a federal credit union like Cornell, you get all the features of a big branch...

Corporation" Is Indeed The Culprits?

Q: Anyone interested in finding out whether the "Iowa Student Loan Liquidity Corporation" is indeed the culprits? A: Corporation Officers IOWA STUDENT LOAN LIQUIDITY CORPORATION , CORP# 59471 NIELSEN, NORMAN KIRKWOOD COMMUNITY COLLEGE 6301 KIRKKWOOD BLVD SW CEDAR RAPIDS IA 52406 10-PRESIDENT Y SACKETT, ROBERT W (BILL) SACKETT & SACKETT PC PO BOX 128 MILFORD IA 51351 30-SECRETARY N HANES, JOYCE 15936 310TH ST MASON CITY IA 50401 40-TREASURER N TRAINOR, JEAN JOHN DEERE COMMUNITY CREDIT UNOIN 1827 ANSBOROUGH AVE WATERLOO IA 50704 90-DIRECTOR Y Registered Agent or Reserving Party Home Office...

Correspondence Art School?

Q: Has anyone dealt with this particular correspondence study school? My high school son is very talented, and this school is based in Minnesota. The classes MAY be used for college credit if the college recognizes completion of these courses. (I have a list of colleges which have accepted them in the past, including the Art Institute in Atlanta). We thought it might be a good way for him to get some kind of informal training during high school before he enters a formal college art program. Is this a scam? Is there anyone who has taken this course? Any...

Credit

In financial matters, the word credit refers to the granting of a loan and the creation of debt. In commercial trade, it refers to the approval for making late payments for goods purchased. Credit has a large bearing on the movement of financial capital. It depends on the reputation or creditworthiness of the entity that owes responsibility for the funds. Credit itself cannot act as a unit of account like money. It is actually a representative of a unit of account. It is also a traded market, where the purest form is the "Credit Default Swap". Here, a protection 'seller' takes...

Credit

The majority of people these days rely a little bit too much on their credit in order to keep them living in the lifestyle that they are accustomed to. For many people their entire life seems to be run on a line of credit. This is all good but because credit has become such a life line to so many people, they have to resort to loosing almost the entirety of their paychecks from work just to keep their credit going. Most people are either living with credit debt that is so high it prevents them from getting a home...

Credit?

Q: What is the best way to clean up your Credit File and re-establish credit? A: - If you are thinking of hiring someone to repair your credit, remember this: No one can require a credit bureau to remove accurate negative information before the legal time is up. There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report. No credit repair company can do anything you can't do for yourself. The only way to "repair" bad credit is with good credit practices over a period of time - Declare bankruptcy....

Credit Application Forms - Only If You Want The Credit

There can be numerous reasons for you to fill out credit application forms. These forms are filled out if you want to get a credit card. You can physically fill one out, or fill them out online. One thing to remember about filling them out for credit cards, is don't do it unless you really want the card. You may end up approved for something that you don't really want or need if you don't do your homework first. Find out about the company that you are thinking about, their services, incentives, fees and rates. Then find this information from...

Credit Card

getting your first major credit card is usually one of the first things that lets you fully realize that you are an adult. Of course rarely is it seen as the huge responsibility that it really is. You can get a credit card these days as easily as you can buy a bag of chips at your local convenience store. All you have to do is go online to any credit card company and provide your information to get approved. If you have bad credit or have suffered through a bankruptcy you can still get a credit card. It seems...

Credit Card Application

Applying for a credit card has never been easier than it is right now. With instant approval credit card applications you can apply and know whether or not you will be getting one in as little as five minutes. The average credit card application will ask you for proof of your employment and will also require your income level, but in the end the only that matters to credit card companies is whether or not your have good credit. Credit card companies do not call your employer unless you owe them money, but they will check your credit report. They...

Credit Card Application From Citi

Q: Which of the following is easier/easiest to apply? Citibank Platinum Morgan Stanley Platinum/Gold Nationwide B.S Gold (i am an existing Nationwide customer) Marks & Spencer &more card I am asking because despite earning enough to apply for a platinum card and no debts (i.e., decent credit history), when I applied for an Accucard that has 7months 0% balance transfer, they only give me a ?1,000 Limit (I have much higher credit limit with Capital One, and my credit file should show not only the high credit limit, but the...

Credit Card Bonus ?

Q: credit card bonus ? What would be potential pitfalls with using the credit transfer checks from the GM, GE and Discover cards to make a deposit into your checking account (or Schwab One account in my case) and at the same time making out a payment check to GE, GM or Discover. If I'm correct, I will pay no more than a couple of days of interest, but get back 5%, 2% and 1% for the GM, GE and Discover cards, respectively ... even if I had no money in my checking account. Is that right? Is...

Credit Card Check

Q: This is a new nuisance I've encountered this week and was wondering if other banks are doing the same evil thing. I got a convenience check recently from a credit card. I don't use these often, but have in the past with no difficulty. I decided to take advantage of the special low-interest, no transaction fee check. My bank refused to take it. It took 40 minutes of complaining to get an account rep to call the credit card company to verify that the check was good. My bank's excuse? They say...

Credit Card Deal

getting your first credit card is usually one of the first things that lets you fully realize that you are an adult. Of course rarely is it seen as the huge responsibility that it really is. You can get a credit card deal just about anywhere these days, and you can get it as easily as you can buy a bag of chips at your local convenience store. All you have to do is go online to any credit card company and provide your information to get approved. If you have bad credit or have suffered through a bankruptcy you...

Credit Card Debt

Credit cards are becoming ubiquitous all over the United States. Unfortunately, so is credit card debt. Many people get so excited by the spending power that a credit card bestows open them that they end up living way beyond their means. What they don't realize is that the stuff they buy is not free and that sooner or later they will have to pay for it. By the time realization strikes, they are usually neck deep in credit card debt. The first step towards managing your credit card debt is to face up to the fact that you have a problem....

Credit Card Debt

There are few among us who do not have some credit card debt. This is true now more than ever as Americans are spending more and saving less. Creditors entice us endlessly with hints about what we need and how easily they can help us get it. It is easy to fall for the low initial interest rate, or the no payment until next year offers. Understandably, credit card debt is at an all time high. What the offers that come in the daily mail don't tell you is the long-term cost of credit card debt. When you carry a balance...

Credit Card Debt Any Advice

Q: My wife ran up a large amount of credit card debt over the past ten years. I have estimated that without interest it will take 9 - 10 years to clear the total debt completely. We have agreements with the majority of credit card companies to pay off less than the minimum monthly payment and the debt does reduce each month. One credit card company has written to us asking if we would like to take advantage of an offer to rewrite the account with a 0% APR. We have asked for...

Credit Card Debt Consolidation

Credit card debt consolidation helps to tackle large amounts of debt from more than one source. Some people get in the habit of buying all sorts of credit cards and use them often; eventually these people may need Credit card debt consolidation. As these credit cards makes available extra money you always wanted but you still have to pay it back. Credit card debt consolidation helps you deal with this problem. If you have used your master card, visa, discover cards you also know that you have to make regular monthly payment to all of them. However, with Credit card debt...

Credit Card Debt Elimination

You can eliminate credit card debt with careful planning and patience. Experts recommend many different types of credit card debt elimination plans, so find the one that works for you and stick to it. Some financial counselors recommend paying off the credit card with the highest interest rate first. Others may recommend paying off the credit card with the smallest balance first. How you proceed is up to you, but it is helpful to have short-term and long-term goals in mind before you begin. These goals will help you stay on track and provide motivation when you are feeling bill weary. Obviously,...

Credit Card Debt Situation

Q: Bit of history, after a long period of divorce, loss of employment and worst off all, depression I found myself in bit of a hole financially. In the end I ended up single, damaged credit record, and even more depressed. That was a few years ago, thanks to hard work now I'm nearly out of the hole, my only lingering debt is my credit card and I want to climb out over the rim to do something about it. It's not a huge amount compared to some of the tabloiod horror...

Credit Card Debt Statistics - How Close To "normal" Are You?

Credit card debt statistics can be used in several ways. Unfortunately, many people use credit card debt statistics to justify their own bad spending habits. If a person, family or business is having credit problems, using credit card debt statistics for that purpose can make the problems grow. Part of the problem with using credit card debt statistics is that the numbers vary depending on their source. Some estimate that the annual credit card debt five years ago was as much as 2,700, but others insisted that the number was actually much lower than that for an individual. Like all statistics,...

Credit Card No Credit Check

Q: I recently paid off my two credit cards and cancelled both of them, as due to my regular DVD buying my balance was never coming down and i was being shafted on the amount of interest i was paying. I expected that after doing this my bank, who were the credit card issuers, would give me a debit card with no hassle. I have been told that due to my occassional late paymnets ( hey, i had a lot of DVDs to buy that month ) to my credit card that i...

Credit Card Offers

Credit card offers can reach you through mail, email or even through friends. You can compare the offers you get and decide what credit card accounts to open. With the growth of the credit card industry, many new financial institutions and types of credit cards have become readily available in the market. The market has become very competitive for the companies. They send credit card offers to people in order to expand their business. It has become easy for a customer to take advantage of the competition among the companies and get a good credit card. You can avail advantages...

Credit Cards

Credit cards are tools of retail transaction settlement and credit system. Using such a card, you can make purchases from merchants supporting that particular card up to a definite credit limit. These cards offer convenience in transactions. Besides, they provide consumers an easy way to keep track of the expenses. It is necessary for maintaining a stable financial life. The credit card providers include general banks and the captive banks created to issue a particular brand of card. While making a purchase through credit card, the card user indicates his or her consent to make the payment by signing a receipt....

Credit Cards For Students - When It's Smart

Credit cards for students might seem like some sort of joke, but the offers are real and it's created serious problems for many young people and their families. It's amazing to some parents that their children who are still high school or college students with little or no way to repay loans are bombarded with opportunities for credit cards. Credit cards for students do have a valid purpose and can help young people learn to manage money. But face it, there are few teenagers who are responsible enough to manage credit card debt without getting into trouble. At the same time,...

Credit Caution: Welcoming Teens Into The World Of Credit Cards

Parents worry about whether or not their teenager or college student should have a credit card. With the rising levels of bankruptcies and deep in debt young people, they have a right to be concerned. But student credit cards are now available that set very low spending limits, can be co-signed for and a variety of other options. Students are faced with the dilemma or whether or not they should get a credit card, as well, because you need a good credit rating in order to get a home loan, but it's hard to be responsible with a card you...

Credit Check Agencies

Q: I phoned up to apply for a personal loan today, not because I want one but because someone suggested it as a good way to find out if you have a good or bad credit rating. I was quoted 6.1% APR at the start of the call, then full details were taken and after this the advisor came back and said they would offer a loan at 7.7% APR. When I questioned this they told me this was as a result of my credit score based on what I had told...

Credit Check Agency

Q: Here is the situation. Made an internet purchase from Boots.com using my credit card, it was used on to make a purchase on items with a 50% reduction offer, that ran for just that day. Boots did a security check with Expedian a credit check agency. My order is now on hold, I rang boots to see if I could progress my order using a different credit card, Boots stated I could re-order using the website, which by now is of no use because the 50% offer has closed. The...

Credit Check Application

Q: Is it fair to pay a fee to process an application for a rental? what does a credit check cost the manager? should this be refundable if the applicant is rejected or a credit check is never even done?A: We had to pay an application fee of something like $75 for one apartment we moved to. A fair portion of the $75 was for the credit check, and the fee was nonrefundable. If they apartment manager runs the credit check, they have to pay the fee to the company,...

Credit Check Canada

Q: I declared bankruptcy and was "released" a long time ago. So, it has been 5 years. Can someone tell me what significance 5 years has relative to me cleaning up my credit history. E.g. is there anything I can do to make my credit look better now that 5 years has passed. Apparently, in the past one had to wait 7 years?A: I had heard 7 years in the past as well. This is incorrect. The time limit is 6 years. After 6 years from the date of discharge from ...

Credit Check Collection Agency

Q: I have a $94 debt that has gone to a collection agency. This item has shown up on my credit report. I was not aware (or forgot about) this debt until this week. I will be happy to pay the $94 IF I can get this item removed from my credit report. Can I make a deal with the collection agency where they guarntee to clean my credit reports of this item if I pay the collection agency in full? How should I go about such an arrangement?...

Credit Check Companies

Q: Car Dealer lied about credit score - said it was 690 and is actually 735. They "showed" me a paper but I'm sure in retrospect it was doctored because I pulled it that evening and it was 45 points higher. I know I know - should have had it on the spot! Result - payments are 20 bucks more than they should be. Out of principle, I'm taking it to the Dept. of Consumer Affairs, local Better Business Bureau and Attorney General's Office. Question: Can I obtain, through...

Credit Counseling

Many Americans are in great need of credit counseling these days. You've gotten your first credit card and your go hog wild with purchasing. Before you know it you are over loaded with credit card bills flowing in and you don't have enough income coming in to cover all of these bills. What do you do, you ask? Credit counseling could be your answer. Credit counseling will help you to get all of your bills in order and what is most important to pay first and what to hold off on at the moment. Your rent or mortgage is one...

Credit Counseling Debt Consolidation Debt Management

Q: I have a lot of bad items on my credit report, due to ID theft. It took me a long time to discover it ("my" address had been switched to other addresses), so some accounts got sold to collection agencies. So I did what I assumed was the right thing: told the credit reporting agencies, wrote each creditor or agency, explaining what happened, even giving them the identity of the thief. With each letter I included a copy of the police report, photocopy of my driver's license, affidavit of fraud....

Credit Counseling Services?

Q: Could anyone tell me of any experiences they might have had with Consumer Credit Counseling Services? I am currently indebted for $14,000. While this number is weighing heavily on me, it has not yet caused financial catastrophe. I am however feeling uncomfortable with the lack of savings and the debt load. I am working on paying them off and am currently meeting all obligations. However, I am not that far from the edge either. I am considering seeking assistance with CCCS but would like to know more about them. Has anyone gone? Do they only help drastic cases...

Credit History

Credit history is your most important financial record. Your credit history is decides whether you will get a home loan, car mortgage, personal loan or credit card. In today's life, it is very difficult to manage without credits and loans. Moreover, it is virtually impossible to get credit without having a satisfactory credit history. Three major credit-reporting companies Equifax, TRW and Trans Union collect all the data regarding your borrowing and payment patterns and then prepare your credit history. The credit bureaus then supply this data to the lending agencies and other organizations for evaluating you candidature for borrowings and other...

Credit Limit Increases With A Low Apr?

Q: I have a job which pays about $4,000 in the summer. In the past I've always paid for everything in Cash. Now I'm wondering if it would be better to get a credit card to begin getting a good credit rating and to make paying for online purchases easier. All the credit card companies seem to be sending me offers for absolutely terrible cards with onerous late fees and high interest rates. If I get a debit card (Something where I could just put money on it and it would be impossible to accure major debt) would it...

Creditor For X% Of The Debt?

Q: I have heard that a tool to avoid bankruptcy is to send a check to the creditor for X% of the debt. On the back of the check, the debtor writes something to the effect of 'Depositor agrees to accept this check as full payment and settlement of debt and agrees to update credit reporting agencies as settled debt'. Has anyone heard of this? If so, how should it be worded? The goal would be have the creditor change previously 'written off' accounts to 'settled' on credit reports A: - It works only in the narrowest of circumstances. It is in your...

Creditor Harassment

Q: We're in a fight with a creditor right now. He's in a bit of legal trouble that stems from a lawsuit filed by Chuck Norris. When my husband mentioned the suit, the creditor began verbally assaulting him and calling him names. My husband went to see the other partner, and she threatened physical violence if we continued to fight the suit. Isn't the creditor under some kind of legal obligations that keeps him from such threats and verbal actions?A:You can't. (If the issue comes up in court and he's stupid enough to repeat the threat...) ...

Creditor Harassment

Q: If a creditor does the following things, does it constitute harassment and what can be done about it? 1. make numerous calls to you at work after you ask them not to. 2. you have automatic payments scheduled for a certain date, they turn them in 5 days or so earlier then say you bounced the payment. 3. they refuse to give you information to transfer the property to someone else. 4. when the company changed ownership and they had a period of time where you...

Credit Payday Loan.?

Q: What are the Best Credit Cards for Poor Credit? simply guaranteed bad credit payday loan.? A: Go to http://www.free-credit-report-answers.net for news on credit cards, debt, bankruptcy, credit repair, etc... People with a bad credit rating are keen to understand what are the best credit cards for poor credit. Yes, there are credit cards for people with poor credit some help people to rebuild bad credit with credit cards meant for people who do not enjoy a good credit rating. Perils of Bad Credit It is advisable not to make purchases beyond your paying capacity. On certain occasions, you...

Credit Problems Buying Atv

Q: Is there anyplace were you can buy a atv on payments even though you have less then perfect credit. I have negative credit from past medical bills and now I dont pass the credit checks at my local honda dealership. I can come up with substantial downpayment. I live in the midwest but would travel. I am riding a atc 250r now, but really want to step into relibility of a good 4 stroke 4 wheel machine.A: -Try getting a co-signer if possible, unless your credit is completely shot, you should be able...

Credit Rating?

Q: I'm interested in getting my first credit card. I've applied for several, but have been turned down simply because I have no credit rating. How do I get a credit rating? I asked around about secured credit cards, but none of the local banks seem to offer them. Any other ideas? The reasons I want a credit card are for protection of my purchases and so I can rent cars (not cats!) on occasion. A: -Start with a store card (you can't go into Penney's Sears, or Fashion Bug without being accosted ). I have no job, no...

Credit Ratings For Ing Bank Of Canada

Q: I'm curious about the "ING Bank of Canada", which has the operating name of ING Direct [ www.ingdirect.ca] . I have so far been unable to locate credit ratings (e.g. S&P, Moody's) for this bank. Financial statements for ING Bank of Canada are readily available through the Office of the Superintendent of Financial Institutions (OSFI), which for the most part lets me determine the bank's financial position; ability to pay financial obligations, etc. But I am curious as to why there does not appear to be a standard credit rating for this bank. At both www.standardandpoors.com and www.moodys.ca...

Credit Rebuilding 101 - Make Your Efforts Count

Credit rebuilding is something most people face, even though adults really should know better than to let it happen. Sometimes there is an honest, legitimate, could-happened-to-anyone reason. But more often than not, it is a severe consequence that could have been avoided. If everyone paid a little closer attention, stayed informed, and didn't borrow so much from tomorrow, there would be fewer cases of bad credit. But whether you let your daughter take out the credit card a little too early, or just couldn't resist all those shoes, there is hope. Credit rebuilding is possible. Bad credit can follow you...

Credit Repair

Credit Repair is an important tool for correcting your credit scores. Credit repair is necessary because poor or bad credit means that you would find it very difficult to obtain home loans, car loans, personal loans, credit cards or for that matter any other form of advance or loan. The process of repairing your credit scores might appear to be a complicated or cumbersome task but is necessary for your future borrowings. If you believe that you are a candidate for credit repair only if you delay or default on your credit card bills or loan payments, you are wrong. You...

Credit Repair In Some Forum.

Q: I need information about credit repair in some forum. who can help me ? A: I think that I can help you to get your message accross so you don't have to totally rely on newsgroups. please go to: http://www.globalelectronicommerce.com if you have a website just submit it and you're likely to get 10,000 visitors each day on it or otherwise leave your messages on the forum/message board for 10,000 UK members to view. On the other hand, if you want to raise enough money to advertise you can get help on how to do that. Plus, they...

Credit Repair Self Help - Start With The Basics

You may think that credit repair self help isn't really the answer for you. After all, your credit score is low, your credit history shows multiple negative points and even a loan shark wouldn't loan you money. Your first instinct might be to get professional help (and that may very well be an alternative you need to consider), but you should first think over some points of credit repair self help that might be just what you need to get your credit back on track. The first and most important thing to remember is that no one can alter your credit...

Credit Report

if you have bad credit are not really sure if your credit score is good or bad, you should get a copy of your credit score. The average person will have to get a copy of their credit report sooner or later if they want to get pre approved for a mortgage loan or a car loan. Getting a copy of your credit report can mean the difference between you getting approved or rejected. So many people these days do not think to check their credit report they try to get a loan and that can be a big mistake,...

Credit Report Check

Q: Will the uscis check credit report of the petitioner (US citizen) before they give the couples an interview? Did it happend to anyone?A: I don't believe a credit check is done. I have read here that the US citizen is 'run' through the same databases that the 'alien' is, however. If the USC has an outstanding warrant I have no idea what, if anything, is done about it No, a credit check is not done for the immigration process. There are several types of security checks done, but no credit check. I dont think that...

Credit Reporting Act (fcra) ?

Q: Is your credit keeping you from moving forward? Your credit report is your lifeline in life and in business. I have found that many times, credit reports are not as accurate as they should be. Inaccuracy of a credit report can keep you from getting credit cards and loans. There are many ways that you can improve your credit rating. There are companies out there that are willing to charge you hundreds of dollars to do exactly that. The problem is who has hundreds of dollars to blow when your trying to apply for credit in the first...

Credit Reporting Agencies

Credit reporting agencies (CRA) companies that keep a record of your credit history that is available to your employer, credit card companies and banks. Your credit report contains your full name, address, social security number, birth date; your current credit accounts with your balance and limits, and your history of paying them on time. A credit reporting agency keeps track of your credit score which is what loan officers and other credit lenders look at when considering you for credit. Taking out a loan for a house or car can be a very challenging ordeal if your credit isn't up to...

Credit Reports

Credit reports are indicator of the buying habits of individuals. These reports carry information that can date back as far as ten years. For financial institutions, it is an accurate way to evaluate the risk in giving loans to individuals. These institutions rely on the data in the credit reports to decide who deserves loans and how much they are capable of borrowing. It would be difficult for banks to issue loans to people without these reports. There are three major sources of credit reports- Equifax, Experian and TransUnion. They are the most recognized credit bureaus in the world. They provide...

Credit Reports?

Q: how many years will a credit card debt settlement show on a person's credit reports? Also how does it affect a person's life and does it depends on the amount settled? 7 years? 10 years? dunno. doesnt look good, though. not going to get "tier A: Negitive information has to be removed after seven years. If you have any plans to purchase a home, refinance or take out a second mortgage in that timeframe keep in mind that some underwriters will require that the debt is paid in full before approving a loan, or will require that it is paid from funds at the closing...

Credit Report Service Plans

Q: I have been receiving from a number of places these offer to pay $50/yr to have my credit report monitored. They essentially will go out and consolidate the three credit reports from the three bureaus and present me with a single report. Some of the other features are (not all features available in all plans): - Ongoing credit monitoring, so they will notify me if someone assuming my identity went on a shopping spree - Quarterly update of the credit report - Medical Report (where medical insurance checks for my medical history) - Motor Vehicle Report...

College Credit Degrees

Q: Does anyone have any knowledge about a good online certificate or associate degree in accounting for people who already have college credits. There are so many out there and it is very confusing knowing which are the good, cheap and quickest to attend online. Doesn't University credits carry over to online schools? A: - Some schools are very flexible about accepting transfer credit, some are not. You might want to check into Thomas Edison State College, Excelsior College or Charter Oak State College -- these are most often mentioned as among those most liberal about awarding credit for prior learning,...

Credit Score

having a copy of your credit score can most often mean the difference between going deeper into debt and getting out of it. Because most people do not keep track of their credit score, they often go into deep debt without even realizing it. Every time you are late making payments to a creditor or skip one all together, you are subjected to loosing points on your credit score. Your credit score is used to show creditors and lenders how much they can trust you to pay back your loans and/or purchases when credit is being offered. If your credit...

Credit Score Rating System ?

Q: This is not strictly a SAS question. I was curious to know about the credit score rating system. Noramally, the Credit score ranges from 300 to 850 as showed by most credit card companies and i knew that they use SAS for analyzing business data. Can somebody tell me on what critical factors they consider for deciding the credit score rating pattern and what statistical analysis they use to achieve the credit score rating. A: Scoring models like the one developed by Fair, Isaac have always been shrouded in mystery, especially when it comes to specifics. Generally speaking,...

Credit Scores Down Payments And Mortgage Interest Rat

Q: If your credit score is low enough to get you a high interest rate on a mortgage, can you reduce the interest rate with a bigger down payment? How big does the down payment have to be to get the best possible interest rate, as if you had perfect credit? Do most banks do it that way, or only a few specific mortgage companies?A: -There are a few ways a borrower with high scores can get a better interest rate and you have touched upon one of them. Increasing your downpayment to anywhere between...

Credit To The Card?

Q: I have a credit card in the debt reduction planner. It is set to clear the full balance each month and has an estimated monthly spending of ??500. My problem is that the estimated spending is not showing in the forecast for current account that pays the card and is not showing in the forecast as a credit to the card. Any suggestions would be greatly appreciated. A: Can you try and take the CC out of the DRP and then put it back in again to see whether the bill is re-added to the bills & deposits place so that the forecast is...

Credit Union

If you are one of the millions of Americans who have bad credit or bankruptcy on your credit report, and are looking to get a house someday, you may feel the need to correct your credit problem and get out of debt. In order to do this, you have three choices. You can go through a debt consolidator to help you; you can go it alone, or you can go to a credit union for help. Debt consolidators can be very helpful in lowering your debts for you or helping you to pay off your debts with less monthly fees....

Debit Card Business Opportunities - Accept Debit And Credit Cards To Boost Sales

If you are looking for debit card business opportunities, you might want to start by acquiring a merchants license that will allow you to accept both debit and credit cards at your place of business. Today, convenience is a major source of enticing customers to return, and accepting payments by debit or credit are a major source of convenience. Especially if you have an online, ecommerce or Internet businesses, you probably have a way for people to shop online. Online shopping is a growing enterprise and a major part of business for many companies. People like the ability to shop for...

Debt Consolidation

if you are currently having problems with mounting debts; you might want to consider seeing a debt consolidator. Credit consolidators are not like credit councilors. Credit councilors can only give you advice and recommendation, but credit consolidators can actually help you to take action. Credit consolidators can sometimes give you loans toward your debts and also get in touch with creditors for you in order to help you to lower your monthly payments. A lot of debt consolidation companies now offer something called free debt consolidation. To many people who are deeply in debt, this seems like a great solution....

Debt Consolidation Loan Bad Credit Ok

Q: Card Search USA works with ALL high-risk banks and other lenders in the US. Lenders who will judge your application on today's situation, not the problems of the past. Because of this, the requirements are very simple, and in addition to credit cards, includes DEBT CONSOLIDATION LOANS, regardless of credit: 1. Are you over 18? 2. Have you been at your job at least 6 months? 3. Do you earn at least $95 per week? THEN, TO PUT IT SIMPLY... YOU QUALIFY!! Also includes DEBT CONSOLIDATION LOANS Regardless of Credit! This search DOES NOT put an inquiry on your credit report! You may...

Debt Consolidation Program

If you are currently trying to find a way to get out of debt, it can be very overwhelming choosing the right debt consolidation program for you. These days there are so many ways that you can choose to use in order to get out of debt that it can be extremely hard to find the right method for you. Fortunately, these different methods will outlined here and the best type of debt consolidation program for you, depending on the amount of your debts. Let's look at these options. If you have a great deal of debts that are at least...

Debt Consolidation Programs

Debt consolidation programs help you get rid of the debt. However, you can be debt free not just by the debt consolidation program; you yourselves have to participate in the program. You should be more than willing to support and cooperate, after all the program will deal with your financial problem. If these days the only topic of discussion in your problem is your worsening debt situation than debt consolidation program is the step in the right direction for you and your family. Just remember that there are no short cuts to anything in life, get a stock of your...

Debt Consolidation Services

Debt consolidation services help you to lead a debt free life. Debt consolidation services guide you with their advice and clear all your doubts. You can either do not do anything, lead yourself to bankruptcy or you can think and act positive and get debt consolidation. Debt consolidation services provide you practical solutions to your debt problem so that you can come out of the clutches of the debt easily and effortlessly. Their work comprises of reducing your debt to manageable limit roughly about forty to sixty percent. The company consolidates different loans that you have taken into one loan that...

Debt Counseling

Debt counseling is a great way for you to learn how to get yourself out of debt without having to file for bankruptcy. If you are in debt and you are in need of the best advice for what you should do, you should check out a credit councilor in your area or go online as soon as possible because waiting will only get you deeper in debt. Credit councilors are easy to find and some will help you for free. Credit councilors basically teach you all of the skills that you need in order to get out of debt....

Debt Loan

Nowadays, Almost everyone could benefit from a debt loan because most of us are in debt. For those who are not sure what a debt loan is, a debt loan is a transfer of funds to someone in debt which is designed to help them get out of the financial hole. This can significantly reduce their high interest payments and help them to get some time until they are back on their feet. Once the cash flow begins to increase, the debt owed can be repaid in a more rapid manner. A debt loan can be a good thing for...

Debt Planner With Online Enabled Line Of Credit

Q: I'm using the trial version of Money 2002. I'd like to play around with the debt planner feature. The account I want to add to the debt plan is a home equity line of credit. It is also online enabled. This means the type of account cannot be changed by me. Money thinks this account is a charge account and that the balance must be paid off at the end of each period. This is not correct. This results in my debt plan lasting one month and that requires me to pay several thousand dollars in one month. Not...

Debt Reduction

These days there are just too many people who are deep in debt. Most of them don't know what to do about it. There is help available though if you know where to turn. When it comes to debt reduction, there are many services and companies that you can turn to for help. Some of these services are for free and others charge a small fee. The small fee is a small amount to pay for the services that you want. Let me explain some of them right now. First of all, you can get a debt consolidation loan. Just about...

Debt Relief

If you are like every other average American, you no doubt could use a little bit of debt relief. With many debt consolidation and credit counseling services out there, you are prone to seeing everywhere you are sure to find surefire methods of financial freedom. Through debt free strategies such as reducing minimum payments, consolidating multiple credit cards and lowering interest rates, credit counseling companies can provide many tips on how to become debt free. By researching the different companies and services out there, you can make informed decisions about your debt free options and pick the best service that...

Debt Relief

If you have been trying very hard over the last few months to pay back your debt and reduce your overall outstanding but find that despite all your efforts you still haven't made much of a difference, you are probably wondering whether there is any form of debt relief out there. The good news is that today there are debt relief options available that can lower your debt burden to some extent. One big but relatively unexploited source of debt relief are the creditors themselves. It is a little known fact that you can actually re-negotiate your terms with your...

Debts

Everyone these days seems to have a problem with mounting debts. The average person is well below the bad credit limit and is in desperate need to fix it. The only problem is that many people are convinced that there is nothing that they can do about it that isn't just going to put them back into deeper debt. Getting your good credit back is best is you can avoid going through bankruptcy to get it. A lot of people believe that if they want to get out of debt, all they have to do is declare bankruptcy and things...

Debt Settlement

Debt settlement refers to the process of negotiating with a creditor or creditors to settle the total amount of your debt at a level far less than what you currently owe them. But why would creditors agree to do so? The reason is simple. Creditors know that in case you declare bankruptcy, they stand to lose all the money that you owe them. By agreeing to a debt settlement, they are securing at least a part of their money against that eventuality. By going in for a debt settlement process, you can reduce your current balances by as much as...

Debt Settlement

Q: How is it legal for those scammy businesses to offer 'debt negotiation', 'debt settlement' etc, dealing with one creditor at a time, although an individual is not supposed to show 'preference' to one creditor before others? A: The preference provisions apply only once you have filed for bankruptcy. It is perfectly legal to give preference to one creditor over another if you don't file....

Debt Settlement Versus Bankruptcywhich Blog Should Y

Q: Debt Settlement Versus Bankruptcy - Which Blog Should You Choose?A: Read the following articles about using a debt negotiation service versus declaring bankruptcy. For the debt relief service, usually, the initial consultation is free. Some of the debt relief services can reduce your non-secured (credit card, etc.) debt by as much as 40-60%. On the other hand, avoid the credit counseling services. They have non-profit status, but are sponsored by the credit card companies. It is just a mechanism to get you to pay the credit card debt, plus a little consulting fee to the counseling service....

Debt Settlement Vs Bankruptcy

Q: I have 45,000 in credit card debt. I have good credit with my creditors, but sporadic unemployment over the past 2 years has caused my credit amount to soar. I work as software consultant (looking for a full-time job), and may have some periods of unemployment in the future. I'm currently working however, and it looks like I'll be employed through 2005. A friend of mine used Homeland Financial Services to do a debt settlement for 23,000, and had success with it. She didn't own a home and was delinquent on her account. I've been reading the FTC...

Debt Solutions

Going into debt is a great deal easier than getting out of debt. Nothing can make life a great deal harder than trying to get out of debt. Trying to find quality debt solutions can take years for most people these days. This can be a lot longer without any help. Fortunately, there are many options out there that can help you to eliminate debts faster. Some of the easiest things that can be said about searching for debt eliminator help are that you can find many different companies on the internet or through your yellow pages. First of all,...

Debt Was About 22k Us$?

Q: some questions on debt in the US from my friend: my friend worked in US with H1B visa for 6 years, he was laid off last month so he couldn't pay off the debts he made in the states, the debts include car load (about 15K US$), credit card outstanding balance (about 7K total). it's the worst time in his life so he decided to leave the states without any notification. the questions are: 1> what will banks/creditors do in his case? (alien worker lose job in the US and couldn't pay off and couldn't stick in the country for long due to visa issue) 2> any impact...

Deciding On A Debt Consolidation Loan

A debt consolidation loan is a loan that gives you the cash to pay off your loans. It is a bit like borrowing money to pay off money, but it works for several reasons. The best way to understand a debt consolidation loan is by looking at an example. Let's say that you have three credit cards, each carrying balances of over $1000. Let's also say you have a $10 000 car loan, a $100 000 mortgage, and a personal loan of $5 000 from the bank you took out for home repairs. Let's further say you have $5 000...

Definition Of Sexual Harrassment

Q: If you were, why did you refer to the document in which I explain my opinion as "a bunch of crap" and to the process of reading it as "waste [of] time"? Because it is both crap (IMO) and as such a waste of my time. That does not preclude me from being interested in other views you have on other things. Especially when I specifically ask you for those views. I did not ask you for the information that you are asking me to read. Is this the rare case where one person is interested in another...

Dental School In Colorado?

Q: I was wondering if anyone knows of a dental school in Colorado(Denver area). My teeth are in horrible shape and i need to do something about it but i dont have the money to have anything done.A:Hope this helps... University of Colorado School of Dentistry 4200 E. Ninth Avenue Denver, CO 80262 Another opportunity might be a teaching hospital with a dental program. You also have the advantage of having graduate dentists (from the top of their respective classes) as your dentist. Minnesota participates in the Central Regional Dental Testing Service (CRDTS) and graduates seeking licensure in the 11...

Details From American Express Using Money 06 And Updating?

Q: Is anyone else having a problem the last 2 or 3 days getting his credit card details from American Express using Money 06 and updating? I had a problem with Citibank Credit Cards that was corrected by turning off online updates and then switching back on. I wonder if I should do this with AE? A: -I am having the same problem in Money 05, any fixes yet? Last time AMEX got screwed up I had to delete the account and re-enter 6 months worth of transactions... started around July 28th. -I just switched off AMEX online features...

Did American Express Sell Their Credit Card Business

Q: Or maybe franchise it like Visa and MasterCard? I just received a solicitation for something called a "Citi Dividend Platinum Select American Express Card", which looks exactly like my "Citi Dividend Platinum Select MasterCard", except for the "American Express" bit, of course. And, could they possibly make the names of these things a bit longer and throw in a few more adjectives? A quick look at the American Express Web site didn't turn up anything except a news blurb about Citi offering American Express "gift cards." I got an...

Discount Phentermine

If you would like to try taking phentermine to help you lose weight, but you cannot afford to pay full pharmacy price, find out about the availability of discount phentermine through several possible options. The first is to ask your doctor if he or she knows of a reduced-cost program that can provide phentermine at lower cost than is usually charged by drugstores and pharmacies. If that doesn't work, check with your pharmacist, who may be able to recommend a discount program that is not widely promoted to the general public. Then visit the manufacturer's Website. Often these sites will offer...

Dl Degree In Business Management. ?

Q: Can someone provide me with information on a accrediate dl school which offers Bachelors/Masters degrees in Business? Also, I do have some college credit but I don't want to go through the hassel of taking a prep exam to qualify for admiission into the school and I'm looking for a program which can be completed from start to finish over the internet.A:I currently attend Regis University and am relatively happy with their program. They offer a BA as well as an MBA online. The cost is modest - about $206 per credit hour, and I think the...

Dl Degree In Counseling ?

Q: I am looking for a DL (or mostly DL) program that will lead to a Masters in counseling that will qualify me to be a licensed Mental Health Therapist in Florida?A:You'll have to do the same amount of work anyway. In other words, thefew doctoral programs that do not require a master's will require the same work you would have done for a masters *plus* the work you would normally do for a doctorate. The norm in counseling is for a master's degree *followed* by a doctorate and, in most areas, a master's is all that is required...

Do-it-yourself Credit Help

Most types of credit help come from companies offering debt relief or credit help. While these can be useful, they also cost money - not something you generally want to spending when you are in need of credit help. The truth is, if you are in some serious debt and need help fast, you can often create your own credit help - for free - if you act early enough. The problem is that most people do not take an action plan for credit help until it is too late. Some people even try to generate...

Does Anyone Can Give Me Bad Credit Debt Consolidation Infor?

Q: Good Or Bad Credit Debt Consolidation? Does anyone can give me Bad Credit Debt Consolidation infor? A: You do not have to be a homeowner or have collateral! Reduce or eliminate finance charges. One low monthly payment while becoming debt free! www.cash4us.net/consol.html ...

Does Anyone Know Of A Debt Consolidation Credit Counsel

Q: HELP! The mean, nasty Dept. of Education is threatening to garnish my wages to the tune of $350+ a month. With my other student loans and CC debt, that will leave me unable to pay rent + bills. Does anyone know of a debt consolidation/credit counseling service that handles student loans? (Most do not.) I'm looking for someone who will sort out my finances and negotiate reasonable payments with my creditors.A: Of course not....you can't "borrow" your way out of debt. It is time to put that nose to...

Does It Make Sense To Refinance A Car Loan?

Q: I have a 98 Saturn SL2. My outstanding balance is around $9,000. I have a 60-month loan, and have made nearly 30 payments on it. (For those doing the math, I didn't put anything down, and also financed the sales tax.) Anyhow, my payment is $308 a month. I'd like to lower that payment because I am trying to get prequalified to buy my first house. How common is it to refinance a car loan? Would I do it with my current lender, or through another lender? Under what conditions/in what situation does it make sense to refinance...

Do You Know Of A Solid Bible Correspondence Course?

Q: 1) Must be based on solid Christian fundamental doctrine. 2) Must use KJV/NKJV or other TR or Majority Text based Bible. 3) Must be Word focused, no Theology please. I need to study the Bible in-depth to lead a home Bible study group.A:I'm kicking myself for writing this (for my own reasons), but you might try Moody Bible Institute. Go to http://www.moody.edu and look under "External Studies" or "Correspondance" (can't remember which it is listed under). Perhaps I am biased, but Jehovah's Witnesses offer free home Bible studies at your convenience. Whatever you learn...

Do You See A Need For More Executive Management Training In General?

Q: Do you see a need for more Executive management training in general? Having worked for a number of nonprofits in Arizona and California, I am now an MBA student at the University of Montana. I'm doing a research paper on nonprofit management training programs/institutes/seminars to explore the possibility of creating a non-degree summer training institute here at the UM School of Business. Any thoughts about the following questions would be warmly appreciated: Which non-degree training programs are most respected nationally for quality training? Which non-degree training programs are most accessible to nonprofits in the Northwest? (In the Rockies?) Would the...

Easy Credit Card Question

Q: I am a new user of QuickBooks Pro 2003. Can someone please tell me the easiest way to handle what I think is a very common situation? How do I account for (in the software) the purchase of an expense item (office supplies) that I purchased using a non-business credit card that I did not set up in QuickBooks Pro 2003. In other words, I bought something and want to register the purchase under the appropriate expense category, but I don't know how to recod the purchase because I used a non-business credit card. Any ideas or...

Easy Credit Card Question, I Hope!

Q: I am a new user of QuickBooks Pro 2003. Can someone please tell me the easiest way to handle what I think is a very common situation? How do I account for (in the software) the purchase of an expense item (office supplies) that I purchased using a non-business credit card that I did not set up in QuickBooks Pro 2003. In other words, I bought something and want to register the purchase under the appropriate expense category, but I don't know how to recod the purchase because I used a non-business credit card. Any ideas or suggestions...

Effect Her Credit.

Q: Well I have a quick question maybe someone can help me with. My girlfriend has about 6 different credit card bills that she racked up when she was younger. She is now at the point where she would like to possibly consolidate all the debt and pay a low monthly few. She called a debt consolidation company and they said this does not effect her credit. I heard from a good friend that debt consolidation of credit cards will ruin her credit for 7 years?? Is this true.Also if this is the good thing to do can anyone suggest a reliable debt consolidation company I can...

Effects Of Sexual Harrasment

Q: The problem is definitely with the definition of harassment. What it ISN'T is flaming or disagreement of a civil nature. It needs to be persistent and of a personally threatening nature. I just haven't seen anything that fits any of those criteria. Oh yeah, there have been insults and name calling aplenty but this IS Usenet and not a kindergarten party. Those who don't like the heat need to get out of the kitchen.A: Not silly ... just not stated clearly enough. I was referring to sexual harassment being a common bond between women. Sometimes females are...

Elan Financial Services - Turn Bad Credit Into Good Credit

Elan Financial Services tout their ability to show you how to turn your credit around and keep it maintained. They boast that they are the solution to bad credit. Elan Financial Services offer knowledge to use as tools. If you understand how your finances work, you will know how to use them better. They offer the knowledge of how credit scores are found, how credit systems work, and much more. They Elan Financial Services do offer you a one-stop complete study of all the average person needs to know about his or her credit. However, most of this information...

Eliminate Debt

Going into debt is a great deal easier than getting out of debt. Nothing can make life a great deal harder than trying to get out of debt. Trying to eliminate debt can take years for most people these days. This can be a lot longer without any help. Fortunately, there are many options out there that can help you to eliminate debts faster. Some of the easiest things that can be said about searching for debt eliminator help is that you can find many different companies on the internet or through your yellow pages. First of all, you can...

Eliminate Debts Legally

Everyone these days seems to have a problem with mounting debts. The average person is well below the bad credit limit and is in desperate need to fix it. The only problem is that many people are convinced that there is nothing that they can do about it that isn't just going to put them back into deeper debt. Getting your good credit back is best is you can avoid going through bankruptcy to get it. A lot of people believe that if they want to get out of debt, all they have to do is declare bankruptcy and things...

Entering Into A Debt Management Plan

Q: I currently have a great deal of credit card debt and am considering entering into a debt management plan. So many credit counseling firms are out there, it's kind of mind-boggling to choose the right one. Does anyone have any advice? A: -Consumer Credit Counseling Service is a nationwide NON-PROFIT organization which helps people with this problem. They are widely respected as far as I know. -Checkout Debt Counselors of America at http://www.getoutofdebt.org. (non-profit organization status) They have a great real audio broadcast and offer publications about paying down debt. I would talk to DCA before you make...

Equifax Credit Report

Equifax credit report is the credit report by Equifax credit reporting company. Most of the financial institutions fall back on Equifax credit report for deciding the fate of loan or credit card applications made by you. This credit report contains all the vital information regarding your previous borrowing and repayment pattern as well as your bill payment records. This helps the financing company to decide whether to consider your loan application. Equifax credit report is a vast compilation of data, which the company collects from all major lending institutions and organizations. Whenever you take a loan, make payment; pay a bill,...

Equipment?

Q: Does anyone know how someone with pretty bad credit can get financed for DJ equipment. I have been a dj for 15 years, and I was recently robbed. They took all my equipment and didn't touch my records (15,000 +). I desperately need to replace my equipment. A: Sorry about the theft, but bad credit is bad credit. . Sell some of your records. ...

Expensive Diamond Rings

Are you the type person who just loves expensive diamond rings? Most of us are. They are certainly some of the most beautiful rings available on the market today. There are so many different designs for you to choose from and all of them are stunning. Everyone looks good with diamond rings on their fingers. Expensive diamond rings are not just for females, many men enjoy wearing these rings also. It is simply a matter of what type of taste you have. If you are looking to buy one or more expensive diamond rings, one way to do this would be...

Faculty Position, Tac Of Abet Accredited Computer Engineering Technology Program

Q: Computer Engineering Technology: The Electrical-Electronics Technology Department, University of Houston, is seeking to fill a tenure-track faculty position in the Computer Engineering Technology program. The candidates should have an earned doctorate in electrical engineering or a related field. A strong telecommunications and computer network background is desirable. Three years industrial experience is required. The position entails teaching in undergraduate and graduate programs, course development, grant writing and research, and promoting industrial partnerships. The College of Technology has about 1,500 students and 35 faculty. The ELET Department has about 450 students...

Fica Credit Score - What It Is, How Can It Change

Your FICA credit score is simply a number that is used by potential creditors to determine whether they'll extend credit. It's important to remember that the FICA credit score will also be used for a myriad of other purposes than simply deciding whether you'll get credit - you might also be given better (or worse) interest rates or benefits, including length of finance term. The FICA credit score began nearly a half century ago and is part of the Fair Isaac credit reporting practice to level the way creditors look at potential creditors. It creates a standard by which all...

Finding Low Interest Credit Cards

You may see advertisements for low interest credit cards all the time. If the interest rates on your credit cards are high, you may wonder how low these low interest credit card rates can go. The answer varies widely - if you look closely, you may notice that some credit cards claiming to be :low interest credit cards" actually have higher rates than your current cards. Since getting low interest credit cards can save you considerably in interest, you may want to look around at places that actually do offer you low interest credit cards. One way to...

First Time Credit Cards - The First Step Toward Good Credit

The opportunities for first time credit cards are probably flooding your mail from the moment you become a contributing member of society (or even before). You'll find lots of offers that sound too good to be true and you should take advantage of those first time credit cards as a way to build a positive credit rating. Some people think that they might have a better credit rating if they have little or no outstanding debt at the moment. While that's true to a degree, creditors typically gauge your responsibility by how you've repaid debt in the past. If you have...

Florida ?

Q: Repossession Related Question in Florida ? It is starting to be common practice that creditors want recovery agencies (repossession agencies) to provide them with a list of the contents of the vehicle at time of repossession. Here in Florida (as in California) it is abundantly clear that the recovery agent/agency is fully and entirely responsible for these contents. Would disclosing the nature of these contents...sometimes personal, sometimes embarassing....be some sort of violation of the debtor's right to privacy? Wouldn't this be some sort of illegal "third party disclosure"? If you have any documentation to support our position (that we...

Foreclosure Advice Needed

Q: I currently own a home in PA- and renting in FL where I now work. I have been trying to sell my PA home now since January and have come down from 169 to 139 with no offers (I originally bought at 145). I currently have a first mortgage of 120000 and second mortgage/line of credit at 43000 for a total of 163000. I believe I am in a situation now where I will have to foreclose (I cannot afford it anymore) and would appreciate any advice in this area- in particular: 1. I have the opportunity to...

For Profit....

Q: A friend of mine has some credit card debt (imo - very significant) with some very high rate cards. I want to suggest a debt consolidation company to them but I don't know enough about them and which one I should suggest. Does anyone have any first hand experience that they could offer on this subject? I looked at a few internet sites and it seems they add in charges (like $39) to the monthly fee. Now, I know they still may be able to help, but I'd like to get a lower number than that. Also, any advice on...

Free Credit Report

The majority of people these days rely a little bit too much on their credit in order to keep them living in the lifestyle that they are accustomed to. For many people their entire life seems to be run on a line of credit. This is all good but because credit has become such a life line to so many people, they have to resort to loosing almost the entirety of their paychecks from work just to keep their credit going. Most people are either living with credit debt that is so high it prevents them from getting a home...

Free Credit Reports

You can get free credit reports online through many companies. If you are considering getting a loan, making a large purchase, or need help getting your debt under control, you should get your free credit reports in order to check for any mistakes or inaccuracies. If you correct these mistakes, you will be able to enjoy a better credit rating right away, and that will translate into better interest rates and better financing options. The trouble is that so many companies now offer free credit reports that it is difficult to choose a reputable company to obtain...

Free Credit Score Check

Q: Last night I went to the Burlington, Massachusetts T-Mobile (formerly VoiceStream) store to sign up for a 5-number Family Time. I was replacing a 3-number Cingular plan having been unable to resolve some issues with their customer service, and I wanted new phones and non-roaming coverage in Southern New Hampshire. At $10 each, the two family members whom I visit in SoNH were going to join, since we might actually use the free intra-family (intra-carrier) feature, and they have no cell phones now. The deals explained to me last week there and on this forum...

Free Debt Consolidation Quote

Q: Consolidate Your Bills Regardless Of Credit Free Quote via our Online form Save thousands of dollars in interest & late charges. Lower your monthly payments by 30% to 40% and eliminate creditor harassment! We are different from a non-profit credit counseling company because we work for YOU, not for "them"! We Do Not Report To The Credit Bureaus. For full details, please go to URL; http://www.beevy.com/cfs/consolidate?54-808NA: . ...

Free Of Credit Card Debt

Q: I finally paid off the last of my credit card on May 6, 2005. And to top it off, I paid an extra $1 on my credit card just to piss off VISA. It feels good to have this albatross off of my shoulders. It took me about a year to pay it off, but now I am free of CC debt. I've also increased my credit limit because I would get letters every few months from VISA saying that because I was such a great customer, they decided to increase my...

Geds

Q: What does a homeschooler get upon completion of "home high school"? Is a GED about it or are there mechanisms for getting a diploma?A:Homeschoolers completing high school may be awarded a diploma by the homeschool or by an independent-study school. For our two kids, we just sat down at the word processor and typed them out a diploma. Both are now attending college on substantial scholarships (actually, our son is on a full scholarship, since he's at the Air Force Academy). Most colleges do NOT require a diploma to be considered for admittance. Harvard's catalog specifically states: "A...

Get Out Of Debt

You can use the following step-by-step plan to get out of debt. Before you begin, check your reasons for wanting to get out of debt and your commitment to the process. Getting out of debt takes discipline and sacrifice. You will have to change many habits to achieve your goal of getting out of debt. For example, you may need to cancel cable or regular clothes shopping to free up the cash you need to get out of debt. If you are not committed to the process and the end result, you may find yourself feeling too miserable and deprived...

Get Phentermine Online

If you are looking for the best price on phentermine, you can probably find it online rather than at the pharmacy or drugstore. Here's why. Most drugstores and pharmacies are competitive with each other and will charge prices that do not deviate much from the going rate. That's why you can expect to pay a fairly similar amount from one store to the next. There are exceptions, of course, but finding them can be time-consuming. That's why you should consider shopping online. One online source to check out is the manufacturer's Website. Many drug or pharmaceutical manufacturers offer trial samples or discount...

Getting A Bad Credit Loan

A bad credit loan can really help you if you have a poor credit history, since bad credit loans are designed especially for people with bad credit scores. To get the best bad credit loan you can, research several lenders. This is made easier by the fact that many companies offering any type of bad credit loan tend to advertise on the Internet, so you can quite easily research the terms and rates of a few types of bad credit loan from different providers. If you find any bad credit loan that seems like a good choice,...

Getting A Good Auto Loan Rate

An auto loan can help you get a car, even if you do not have the cash to pay for a new vehicle. There are many companies that can help you get an auto loan. Your bank can help you get an auto loan, or you can take your auto loan needs to a private company or a company specializing in providing auto loans. A dealership can also help you get an auto loan when you buy a new or used car. In any case, you auto loan, often in the thousands of dollars, can be...

Getting A Loan Credit Check

Getting a loan credit check will determine if you get the money you need for school, a vacation, new car, house, emergency and so on. No matter what reason you need the loan, whether you're approved or not will be based on the credit check. If you have bad credit, you can pretty much know before you even apply that you won't get it. But, if you have fairly decent credit, you just might be approved. It all depends on your score and it is determined by you and the way you've paid your accounts in...

Getting Out Of Credit Card Debt

Q: I was wondering if anyone could please help me. My family live off a subsistance wage that barely covers our rent, what to speak of food, medical expenses etc. We are clocking up debt just to survive, but want to offer the credit companies a reduced balance to get rid of some of our debt, does anyone have experience with this. Can you do it and how do you do it?A: It's amazing to me that, for people who barely earn their rent money, you were able to be approved for...

Getting The Best Deals On Car Loans

Car loans are a fact of life for most car owners, but they tend to generate a lot of stress, as well. Even though there are many companies who offer car loans, it is difficult to know how to get the best deal on car loans. Many car owners in fact spend thousands of dollars more than they need to on car loans, according to some experts. Luckily, there are a few strategies which can help ensure that you will not overspend on car loans. The first problem with car loans is that many people do...

Getting The Best Prices On Computer Games

There are as many computer games available on the market as there are people to play them. Keeping up with the newest releases can entail a massive amount of money, which makes getting all the new titles an almost impossible thing. Getting the most for your money and getting the best prices on the games you purchase is something that needs to be considered. There are a few different ways to find lower prices on games, and other ways to save. The first way to save money on computer games is to find a store that takes trade-ins...

Get Your Free Credit Check Every Year

There are some specific times when you should get your credit check and did you know that you are entitled to a free credit check each year? By federal mandate, beginning in 2005, a free credit check is available to any individual who applies for one. To understand why this is important, briefly consider the way credit reports are filed and why you would want to seek a free credit check. Your credit report is compiled and maintained as a joint effort between every creditor you deal with and three major credit compiling companies in the United States. All have people...

Good Credit Score In Relation To No-doc Mortgage Application?

Q: Also, this has been mentioned couple times here, but what is considered a good credit score in relation to no-doc mortgage application? I mean, it can go all the way up to mid 800s. Is 800+ what gets considered? And, lastly, if no-doc is not the option, applying for the new one as an investment property seems the way to go. Is the application process any different? I guess, I would have to say that in WILL NOT become my primary residence then. What would happen if I actually move in? A: I don't understand your aversion to a No Doc Loan. It...

Government Grant

The government grant is a very big program that the government has set up for tax payers like you to get free money. The best part is that the money is tax free, and never has to be repaid. Once you know how and where to apply for a specific Free Grant the results are almost inevitable. The government wants to give away this money because it is under congressional mandate to do it. It means that congress forces the government to give away these grants. These funds are made available to help you, the tax payer for almost any...

Go With A Debt Relief Company

Q: Back in July of 2004, I had no choice but to stop paying my credit card bills ($13000 worth) and use all of my money to pay medical bills for a sick family member. Now, I've paid off the medical bills and have enough to start paying once again on the credit cards. My question is since the cards have been sent to collection , what should I do? I have enough to make monthly payments, but not to pay off the whole thing. Should I contact the credit card companies, bill collectors or go with a debt relief company. Also, due to my job,...

Guaranteed Loans Bad Credit Scorers Can Obtain

There are many guaranteed loans bad credit scorers can obtain; however, it is much harder to be granted any loan if your credit rating is low. There are many companies online that promise guaranteed loans to just about anyone. However, you should make sure to fully research any loan company before you sign on the dotted line. There are a lot of companies that try to capitalize on the misfortunes of individuals with bad credit. Some reputable creditors do offer loans to people with bad credit, but you will usually find that your interest rates will...

Harassment In Schools

Q: Who? A common trick in this krp like world of bogus diploma producers it to create an accreditation agency, that is as bogus as the schools accredited. So? Who accredited Shaftsbury, krp?A: Two are repeats of opinion pieces. Two have a major compolaint that the listed schools were not accredited by a specific association. There is more than one LEGITIMATE accrediting organization. You need to follow your sources better including NEWS exposes. No that's not accurate. I said that *I* did not publish my CV to protect people from Moore's harassment. Harassment he ADMITS to. But now...

Has Anyone Had Any Experience With Debt Consolidation L

Q: Has anyone had any experience with debt consolidation loans? Are they a legitimate way to help in financial planning (provided my spendings habits aren't such that I'll pile up extra debt at the same time!) Thanks for any input,A: -I wouldn't do it, because then you have to pay off the service AND the debt consolidation loan. A better idea is to budget a set amount on each loan every month. Creditors will be happy to get a regular payment, even if it is less then they hoped each payment...

Has Anyone Tried The Penn Forester Career School Online? What About Others?

Q: I wanted to get some information for a friend of mine.. has anyone tried the Penn Forester Career School online?? I noticed that it was accredited but has anyone had trouble finding a job coming out of it? I never tried any online school or courses so I really dont konw anything. The only school I cound find is Penn Forester, are there other schools? A: I have been checking out Penn-Foster through the Better Business Bureau and this website which is a clearing house for these types of schools. http://www.detc.org/ it seems to check out for the most part. I'm planning on taking the Wildlife/Conservation...

Hawaii Usa Federal Credit Union

Do you live in Hawaii? This beautiful state has so many things to offer you, one of which being the Hawaii USA Federal Credit Union. However, you can use the federal credit union even if you are not living in Hawaii. There are so many advantages you will find from the Hawaii USA federal credit union. You will get many great benefits and resources from this credit union. Hawaii gives you personal service that you will not get from typical banks. Many banks are too busy to take time to get to know you. You come in and face a...

Helping Students Avoid Credit Card Debt

Student credit cards can pave the way for a bright financial future. When managed well they provide an opportunity for students to build the credit history they may need upon graduation to rent an apartment or purchase a car. Unfortunately, without care, student credit cards can also pave the way for financial disaster and burdensome debt. Essentially, a student credit card is a loan agreement. When you apply for a credit card, the creditor will establish a spending limit from which you borrow for purchases and/or cash. Each time you make a purchase your creditor pays the vendor (for example,...

Help Me Out Of My Debt?

Q: I have unfortunately gotten into a credit situation where I have good credit but have two credit cards which are currently killing me and it won't be long before I have quite bad credit. Namely, a Visa card with ridiculous interest rates (because I apparently was late on two payments the percentage rate went from 11.9% to 25%)- Trying to dispute it did nothing for me. I am, of course concerned about my credit as i've spent years making it good. I already have a large outstanding (maxed out) card from my credit union so I can't get another loan from them to...

Help With Debt And Credit Card Consolidation

Q: I'm seeking help on managing my credit card debt. Currently, I owe about 12,000 on 8 credit cards and paying interest rates between 18-29%. I'm thinking about consolidating this amount to a lower interest rate. About a week ago, I received a phone call from a consolidation company soliciting their business. They qouted me a 6-10% interest rate on each of my credit card and a payment of 360.00 a month. They also told me that I would be charged 40.00 each month which would already be included in the...

High Limit Student Credit Card

A student credit card is one that is designed exclusively for high school and college students. While a student credit card usually has a few more restrictions as compared to a regular credit card, for all practical purposes, it operates in exactly the same way as a regular credit card. A student credit card is a great tool, but like any other tool, its usage depends on you - used well, it can help you build an excellent credit record increasing your eligibility for a high limit student credit card or later in life, other forms of credit; when...

High School Student Looking At Universities For Computer Engineering

Q: I am a high school student who lives in Ontario, Canada who is interested in going into computer engineering. I have very high marks (a 97 average) and have a number of extracurricular activities, so I think I could probably be accepted to most universities. This poses a challenge: which universities in Ontario (or perhaps near Ontario) are good in the field of computer engineering? I have toured the University of Waterloo and found the campus quite nice, and I was wondering if they have a good computer engineering program? How about the University of Western Ontario? If...

Home Depot Credit Card

If you are a frequent customer at The Home Depot, you might want to consider going in for a Home Depot Credit Card. The Home Depot Credit Card is a great idea both for individuals as well as for business owners as it not only gives you flexibility when it comes to payment but also has added benefits like helping you keep track of your building or remodeling costs. The Home Depot Consumer Credit Card is ideal for consumers, irrespective of whether they are taking on one large project or several smaller ones. The Home Depot credit card helps...

Home Equity Loan Or Refinance Bad Credit Help Also

Q: I have a rather interesting situation that I know I will need professional help, but I was wondering if you could help point me in the right direction... My mother had passed away a little over a year ago and me & my sister got the house. I had been living there since birth and the last year taking care of my mother.(Alzheimers) My sister & I came to an agreement that I would pay for her house in Florida (127,000) and I could keep the house. My house was...

Home Loans

sooner or later everyone wants to get to the point where they can own their own home. The average American needs to get a home loan before they can even try to get their own home, and this can be difficult if you have credit problems already. You can't really be worried about getting rejected for home loans with all of the loan companies now offering loans to people with good credit, bad credit, and bankruptcies. However, it is not simply important to just get approved for a loan, you must also consider the repayment options before you dive into...

How A Credit Check Can Affect You

A credit check is usually run by a lender or potential lender who needs to know what sort of credit risk you are. If you ask your bank for a mortgage, for example, or if you seek financing for a new car at a dealership, a finance manager at one of these places will run a credit check on you, usually by asking your permission to do so (if you apply for a loan, in most cases, the application form does constitute you granting permission for a credit check). A potential employer or government agency may also run...

How And Where To Obtain A No Credit Check And 0 Intere

Q: We are now offering our "Debt Consolidation Loan Program Manual". Learn HOW and WHERE to obtain a No Credit Check and 0% Interest Consolidation Accounts. THESE ACCOUNTS ARE NOT SOMETHING YOU WILL HAVE TO WORK ON GETTING EITHER, just a simple phone call. With our manual we will send you TWO referrals to companies that will grant you approval on unsecured debt consolidations. And you will be able to call the 800#'s that come with your manual and have your approval in five mins. over the phone. Fast and simple debt relief. ...

How Can I Run A Canadian Credit Report

Q: I am a landlord and have a potential tenant who is moving from Canada (he has a new job from an American employer). I always run credit reports before renting, and because this tenant is just moved from Canada, running a credit report on his SSN/Tax ID is going to be fruitless. I've run numerous Google searches, but haven't come up with any way to run a Canadian credit report. Anyone have any suggestions?A: Really? I just googled for "canada credit reports" and the third hit was http://www.equifax.com/EFX_Canada/ That is for either running a credit report...

How Credit Reports Matter

Sure, credit reports may seem boring and not a very important part of your life, but they are actually very useful tools for tracking your financial state and for making sure you are not the victim of identity theft. Credit reports can also help you get the best possible rates on loans, credit cards, and insurance policies. This is why you should get your credit reports and look at them before you make any big purchase. In some cases, you could save yourself thousands of dollars by taking this simple precaution. Credit reports are basically reports that...

How Does Debt Consolidation Work

Q: I started a business and incurred some debt on credit card. The interest rate is very high (about 25+ %). I recently closed the business and get back to employment (engineer) and have a good pay. Now I want to plan on paying the debts. I have seen ads on debt consolidation (and they say it is not debt consolidation load). Has anyone had any experience with those companies? Some advertise that they could reduce the interest rate to 5-10%. Is that true? What is the catch? Should I shop around for different companies? Can I negotiate directly to...

How Do I Establish Credit Card Orchard

Q: I am from India and i got married to my wife ( an American) in November 2003. I came to the United States in February 2004 after they approved my Permanent Resident Visa (marriage based). We had taken the DCF route. I have been here in US now for an Year & 4 Months. This February i applied and got a Secured Credit Card from Orchard Bank. I have been using it frequently and paying it off and it's in good shape. Yet, i have no credit established here. I have...

How Do I Get My Household Bankbest Buy Credit Card I

Q: How do I get my Household Bank / Best Buy credit card information added to my debt reduction planner? If I made a major purchase on their zero interest financing for 18 months plan, and they only want a very low minimum payment each month until then, then I need to somehow indicate that the remainding balance no matter how high it is, absolutely must be paid by the 18th month. Otherwise, they will go and add on a lot of interest for all of the previous 18 months. When I indicate to Microsoft Money that an intro rate...

How Often Do You Check Your Credit Report

Q: Is once a year enough? Or too much?A: Once a year is fine, unless you suspect fraud or identity theft. You are entitled to one free credit report from each of the national credit reporting agencies per year. There are three national credit reporting agencies: Equifax, Experian, and TransUnion. Get a 2007 calendar and on January 1 write, "Credit Report--Equifax". On May 1 write, "Credit Report--Experian". On September 1 write, "Credit Report--TransUnion." You can keep an eye on your credit report all year for free by staggering the requests...

How To Avoid Credit Card Debt

It is safe to say that there are millions of people asking for answers regarding how to avoid to credit card debt. There is one simple answer to this question, and then there are hundreds of other more complicated answers. The simple answer, of course, is to either not use credit cards or to pay off your debt every month rather than carrying a balance. Though this is the easiest way to avoid credit card debt, very few people seem to live by this rule. For those who are already in over their heads, there are...

How To Buy A House With Bad Credit History

If you have a less than perfect credit history and are wondering whether it means that you will never be able to own a house, there is some good news for you. It is indeed possible to buy a house even with bad credit history. Here are some tips that tell you how. The first step that you need to take towards buying a house if you have a bad credit history is to take a good look at your credit score. Remember that there are levels of bad credit. Just because your credit score is less than perfect it...

How To Choose Credit Cards

Credit cards can sometimes be a life saver, but unless you only use them in an emergency, they can really put you into a world of debt. When it comes to choosing the right credit cards you need to be sure to read the fine print. Some credit card companies have some hidden fees or outrageous over the limit fees. Credit cards have many little hidden tricks to get you to stay and also for them to get your money. Credit cards are well known to have those late charge fees. For example if our bill is due on May...

How To Fix Your Credit Report

Having an error on your credit report can be more than just a troublesome nuisance. It can be very damaging to your credit and to any future financial endeavors you may take. Luckily, there are companies out there that can fix your credit report in 72 hours. This entire process of fixing your credit report is called "rescoring" and companies that distribute credit reports offer this service. It can be an amazing change once your credit report is fixed, because then your credit score will be significantly elevated. Many people find out about errors on their credit reports through a...

How To Get A Free Credit Check

Getting a free credit check is crucial to learning what your credit score is. It's important to have good credit standing because it will help you in major purchases like buying a home, car, boat or furniture. Even if you want to get braces, have medical treatment or purchase something that requires a payment plan, your credit will be checked. So, if you don't have a good score, you will be rejected and then you'll have to figure out how to pay in full for the things that you want. From little purchases to major ones,...

How To Get An Apartment With Bad Credit

One of the worst nightmares for those who are planning to buy a house or apartment is being told by their mortgage lender that they have a bad credit score. For most people, this sounds like the death knell for their dreams of owning their own home. However, what they don't realize is that a bad credit score need not mean that an apartment is out of their reach. It is possible to get an apartment even with bad credit. This article tells you how. The first thing that you must do if you are planning to get an apartment is...

How To Get An Online Credit Check

It's easy to get an online credit check; you just have to know where to look. For starters, you can always just type free credit check or online credit check into a search engine to see what kind of results come up. Keep in mind that some offers won't be legitimate, so you'll have to do some background research on any company that you choose to do your credit check. It's always a good idea to just go with one of the main bureaus, instead of letting an outside company get the information for you. If...

How To Start Building Good Credit Immediately

Good credit actually refers to getting better credit facilities for you. If you have been through a bad phase and your finances have gone southward, it is not the time to brood over it. Instead, you have to devise ways and means of improving your credit image in the eyes of the lenders. It is very easy to state but implementing it is a very difficult process. A few simple guidelines for the success of your implementation are- 1. Pour into your credit report A credit report is a document showing your credit score based on your repayments. This report card will...

How To Take Mcse Training

MCSE courses can give your company a competitive edge when it comes to technological expertise. Not every business has an IT person on board who stays current with MCSE licensures and certifications. But if you can spare an employee for several hours of training now and then, you will be able to adopt company-wide or departmental applications that will put you at the top of your game. It's easy to sign up for MCSE training. First visit the Microsoft software and training Website for information about which courses are available and registration details. Then use a credit card to pay an...

How To Use A Credit Card To Fix Bad Credit

There can be numerous reasons for people to land in financial trouble. However, whatever the reason is, it is essential to repair the credit ratings to return to a stable financial situation. Repairing credit ratings is difficult, but there are ways of doing it. It is essential to build and maintain a good credit record throughout the life to have a better control over the financial matters. It is a tough ask to establish credit for the first time but not impossible either. A credit card is a better option than cash to start making your credit history. However, you...

I Am Getting Ready To Close On A House In The Next Seve

Q: I am getting ready to close on a house in the next several weeks, and I am exploring my options afterwards to place myself in the best long term financial picture. I have no credit card debt, about 4000.00 left on a vehicle - 2 years, 7.5% auto loan. No other debt at all. I am taking a loan out for 76,000 on a 95,000 home on a 30 year 6.5 fixed. I am putting down 20% using a variable credit line against my portfolio - currently prime + 3 spread through...

I'd Like Some Infomation On Complete Graduate Courses Online

Q: I would be keenly interested in hearing from anyone who has information on complete graduate courses online. Currently, I am taking an online graduate course out of the University of Oregon, but I am seeking a comprehensive graduate program...not just a course. A: Check out our web site on Non-Traditional Schools. It should help you find some good accreditated DL schools. http://members.tripod.com/~lepine/index.html If you have problems, Email me @ lep...@ibm.net. ...

I Filed An Incomplete Financial Disclosure With Consu

Q: I filed an incomplete financial disclosure with consumer credit counseling online about six days ago. I had too much debt. They never called. But I got a call back from a 'shark' consolidation firm that wanted to take me on as their project for a fee of $1,000. With no reduction in monthly payments but the interest rate would be cut in half. Looks like CCC brushed off my crummy application and gave it to someone else who wanted to nab the business. Did I miss anything? What...

If You're Applying For A Consolidation Loan, Be Prepared!

So, you've decided to apply for a debt consolidation loan. Before you call your chosen lender, you should know what to expect so that you are fully prepared for this gigantic financial step. When you call or meet with your chosen consolidation loan firm, you will have to have certain information ready to give to them. You need to know the names and contact information for all of your creditors. This allows the firm to contact them and work with them to lower your interest and fees. Next, you will need to know the balance that was listed on...

I Have A Few Questions About Business Debt Collection

Q: Maybe someone can answer a few questions I have. I own a small business in California. I had an outstanding debt with one of my suppliers for $4,000. They agreed to accept payments on this debt, neither on a specified payment schedule nor specified amounts. I have paid the debt down to $1,500 approximately twice as fast as I originally expected to (ie, 4 months). Without any notice whatsoever, the company has turned me over for collection action on the balance due, despite receiving a payment less then 10 days prior. Can a company...

I Have Average Credit Is 85 A Decent Auto Loan Rate

Q: I am a 22 year old-working-half-time-grad-school-half-time student. Work income of about 1000/per month. Parents support me 1000/per month. My only expenses are $800 for rent and my student loans are deferred for 3 years..till i graduate law school. I have a credit score of 625-630. I applied for a $20,000 car loan and was quoted at 8.5% for 48 months. My payments will be approx. $540 per month. Is this a good rate? With my stats, do you think I can get a better rate? Is it worth it to "shop around"...

I'm Interested Mainly In Courses On History

Q: I am looking to jump into the online college course thing. I am currently studying at the University of Virginia. I'm interested mainly in courses on history and literature for the summer. Does anyone knows of any resources where I could find accredited institutions (not necessarily in the US) that will allow me to take a college course over the summer online for credit ?A:Try http://www.lifelonglearning.com They list hundreds of DL courses from dozens of RA schools, I'm sure you can find what you need. ...

Immediately Take Out A Home Equity Loan Against My Prop

Q: immediately take out a Home Equity Loan against my property as soon as I close and pay off my car and use the rest to pay off the variable rate credit line in my portfolio. what equity? You owe 100% on the property.A: I am getting ready to close on a house in the next several weeks, and I am exploring my options afterwards to place myself in the best long term financial picture. I have no credit card debt, about 4000.00 left on a vehicle - 2 years,...

Impersonating My Ex-wife And Getting Her Credit Report?

Q: On a plethora of web pages, you can "click here for your free credit report". I've never done it, but what do these people get out of it? Ive never done it because I'm afraid someone is gathering a mailing list. What's to keep me from impersonating my ex-wife and getting her credit report? A: Since a couple months ago, I noticed Capital One invitations stopped coming, I tried to get my credit reports for free from outfits associated with each of the major reporting bureaus. During my free trials, one of the affiliates was actually merged with its main, and that...

Including Student Loan Consolidation Credit Rating?

Q: I have recently moved to the US on a k-1 visa and I'm not sure how best to deal with my Canadian student loans. Being no longer a resident of Canada makes me no longer eligable for any kind of interest relief or debt reduction. However, it's going to be many months before I can even legally work in the US, so I have no income. My husband is therefore supporting both of us, on a fairly low income, plus has his own student loan payments to deal with, so he can't afford to pay mine. But the...

Indebtedness?

Q: How much of the $9,000 is interest on acquisition indebtedness and how much is interest on home equity indebtedness? Of the $150,000 principle balance at December 31, how much is acquisition indebtedness and how much is home equity indebtedness? A: Taxpayer S owns a home with a fair market value of $2,000,000 and a traditional mortgage balance of $900,000. S refinances the traditional mortgage with a home equity line of credit . Shortly after the refinancing, S draws another $400,000 on the line of credit to buy a boat. This brings the principle balance to $1,300,000. In the...

I Need An Accredited Correspondence School.

Q: I am in the Navy and I would like to know if anyone knows of any GOOD accredited correspondence schools out there? Please E-mail me a reply, I do not frequent the mail groups.A:Amen. With all the classic signs of scam: too good to be true, no address, no real information, no real names or physical location indicated. The scams are so obvious anymore that The scamsters must get more training in the years ahead if the want to stay ahead of the game. Actually, I'm sure they rely on P.T. Barnum's observation, more's the pity... Something like earth/life...

I Need Help About Credit Carddebts

Q: I need help about Credit Card debts (which are way out of control and can't be met). Is there some Govt agency that can talk to me or help me negotiate settlement. Or do I have to negotiate with the CC companies direct?A: -Make an appointment as soon as you can at the Citizens' Advice Bureau. They are very experienced and they have seen thousands of people in your situation. Better still, they are free. Do not pay anyone to help you, it is not necessary and will not help...

I Need Some Help With A Old Credit Debt

Q: when we were really poor for some reason we were given credit cards. well as sometimes happens we could not pay the bills. well over the years we paid two of them off. but one of them we had not heard from for years. well last month we get a letter from an attorney wanting to collect it. it is only 1500.00 well we just got a credit report and it shows the account was charged off. it shows the citibank open date of 6-94 and 9-99 balance date. I can't remember but...

Info On Credit Card Regulations.

Q: Cna anyone provide me with information regarding credit/collection companies responsibilties regarding harrasment and contact restrictions. My younger sister has been getting deluged with calls at work and at home regarding an overdue balance (she had recently become unemployed from a good paying job and now works near minimum wage while supporting a young child). Though she has explained to the company numerous times that she has no money, they repeatedly call at her place of work and home demanding to know when paymentA:Is she outright refusing to pay? I went through a tough time before and found that most collection agencies were...

Info On Credit Card Regulations

Q: Cna anyone provide me with information regarding credit/collection companies responsibilties regarding harrasment and contact restrictions. My younger sister has been getting deluged with calls at work and at home regarding an overdue balance (she had recently become unemployed from a good paying job and now works near minimum wage while supporting a young child). Though she has explained to the company numerous times that she has no money, they repeatedly call at her place of work and home demanding to know when payment will be made. References to related websites would be most appreciated :)A:Collection agencies have also knowingly entered into an agreement...

Information?

Q: After a long running dispute with my Building Society I have just found out that my credit rating has been utterly trashed -- cutting out a long story, they caused me to have many unauthorised overdrafts which I was powerless to stop. This has now been reported to Experian, and considering I had a perfect credit rating previously, I was appalled to find that I am now classed as a "very high risk borrower". I intend to write a letter to the Building Society urgently asking them to remove the false information. If the Building Society are unhelpful,...

Information On Buspar

Buspirone is a fairly new kind of drug that helps in the treatment of panic attacks and anxiety. The generic name for this medication is called taking of this medication the person suffering from the illness will be able to lead a much more normal life. It is very important to take this medication as prescribed to avoid a building of dependency. This may sometimes happen when this type of drug is abused. This Buspar has been compared to the drugs Paxil and Prozac. These are also very effective drugs in this treatment. It is a godsend to have many...

Instant Credit Card

If you receive an offer for a pre-approved credit card or if someone says they'll help you get a credit card, find out the details first. You need to know what interest rate you will be paying and for how long. Some credit cards offer low rates as a tease that are raised after a certain period of time or only apply to balances transferred from other cards. You also need to know about any annual fees, late charges or other fees, and whether there are grace periods for payment before interest is applied. If the terms of the offer...

Interpreting Credit Rating

Your credit rating, simply put, is a statistically derived measure of your credit worthiness. This score is used by lenders to decide on whom to offer loans to and under what terms. Typically, a higher credit rating tells prospective lenders that you are financially healthy and that indicates to them that you are less likely to default on your loan in the future. Lenders are thus happy to lend to you at low rates of interest because they know that their money is not likely to be under risk. If on the other hand, you have a low credit rating,...

In Time To Complaints?

Q: I wrote a while ago asking for help and advice on credit repair. I didn't get any responses so I'm asking one more time. Can this be done legally? Has anyone in this group had any experience in having negative items deleted from their credit report due to the credit report agencys not responding in time to complaints? Any response I get to this post would be greatly appreciated A: Credit repair by having bad reports removed usually only works *if* the bad reports are in error. Trying to remove negative reports by hoping that the reporting entities won't respond in...

Iq Credit Union

Have you heard of IQ Credit Union? If not, then you need to pay attention here because they have a lot of great features you might be interested in. For awhile now, this credit union has been around to help you with your banking and credit needs. If you need savings accounts, checking accounts or to apply for loans and other services, then IQ may be just the place for you. IQ also offers courtesy pay which is a popular service. This great feature is another form of overdraft protection. It lets the credit union cover you if you accidentally...

Instant Approval Online Credit Card

Q: Are this free Instant Credit Card search site any good application? , I read about this free instant approval online credit card search website. Has anyone used this type of service? Is it any good? A: In my experience as a mortgage loan officer, the answer is no. The free credit report gives a score, and that's it. If you want the details, then you have to pay a fee -- typicaly inthe range of about $50. I had a customer that paid the fee to get the detail report,...

Is A Debt Consolidation Program Anything Different From A Loan?

Many companies now offer people a "debt consolidation program" rather than a loan. Many companies specifically state that they offer you not "just" a loan, but an actual "debt consolidation program." You may wonder whether the two are any different. In many cases, the simple truth is that they are not. Advertisers know that people seriously in debt shudder at the thought of yet another loan and the term "debt consolidation program" makes people more likely to at least ask about the service, since they are not simply having a bad reaction to the word "loan." In other cases, though,...

Is A Home Equity Loan Possible In This Situation

Q: Over the past year, I've experienced some health problems that forced me out of work. Long-term disability would've been difficult to obtain...a long story that really has no place here. The end result is, via living on my credit cards for the past 12 months, I've accumulated about $35,000 in debt. Some of this was simply living expenses, some of it was paying bills, and some of it was debt accrued when I purchased a house, an event which unfortunately coincided with my health issue. Due to improvements made on the...

Is Everybody Aware That Having A Cc Which You Pay Off I

Q: I have a credit card (configured as a charge card) which I pay in full each month by direct debit. I have placed the cc in the debt reduction planner. This means that the next payment always adjusts itself to the outstanding balance of the card. Also, if I look at future payments in the bills & deposits calendar they are set equal to my estimated monthly spending. Unfortunately, these future payments are not reflected in the cashflow forecast for either the cc or the current account which pays the direct debit. If I ignore the debt reduction planner...

Is She Obligated To Notify Her Attorney Handling The Di

Q: Is she obligated to notify her attorney handling the divorce that she is filing bankruptcy? (Reason being that we anticipate going to trial, and she will incur more debt in attorney fees.)A: Only if she owed her attorney fees at the time she filed, in which case the attorney is a creditor entitled to notice of the bankruptcy filing. Post-petition fees, that is attorney fees incurred after the bankruptcy is filed, are not affected by the bankruptcy filing. . ...

Is That True ?

Q: I applied for and got a Citibank credit card that gives me 5% cash back for all purchases I make upto May 1, 2004. I made full use of it and am very close to the maximum annual cash back I can get on it. A couple of weeks, they advertised for a new, similar offer, this time for all purchases through October 1, 2004. I'm considering cancelling the old account and applying for the new one. I've heard cancelling credit card accounts is bad for one's credit history. Is that true ? A: -Canceling a credit card in and of itself isn't necessarily bad for your...

Is There A Need For An Abet-accredited Masters Degree?

Q: MIT started a five-year Bachelor/Master of Engineering program in their electrical department. Has anyone developed a stand-alone Master of (Science in) Engineering program that is ABET-accredited? Such a program would be available to individuals who hold bachelors degrees from any field. It would probably take about three years to complete all the typical engineering science and design courses, plus a token masters project. Such a degree program might be more attractive than a second bachelors degree. Do you think that there would be significant demand for such a program?A:Remember, there are some unaccredited schools that are...

Is There Anything I Can Do To Improve My Credit History ?.

Q: I had an AT&T credit card long ago...I was a bit late paying the money to them a couple of months... But I cancelled the card since I felt that they were too aggressive in trying to collect their balance. I used to get "threatening sounding" letters regarding my balance which wouldn't be more than $50. Now however they seem to have given me a bad credit report...and I cannot get a new credit card even after 3 years. I tried to get a copy of my credit report from equafax or something...but they want all sorts of...

Is There Anywhere A List Of For-credit Courses Someone Could Do Online?

Q: Is there anywhere a list of for-credit courses someone could do online? I'd appreciate it if anyone has any answers.A:I know College of DuPage offers credit courses. Things like English etc. You should be able to search for them. If you aren't in the Chicago area - I saw a bunch that offer 'distance' learning. That is what you should probably search for. ...

Is There More Than One Credit Score?

A credit score is a tool to measure your credit worthiness. This tool is of use to the lenders. They want to make themselves sure of getting back the money they lend you. You are actually a stranger to them as far as your credit capacities and repayment abilities are concerned. Therefore, they want to be doubly sure before entering into any financial transaction with you. The main companies calculating credit scores are Equifax, Esperian, TransUnion and many others. They have a basic model of credit worthiness. This model takes shape across the dealings of a large clientele of customers. The...

Is There Such A Thing As Free Debt Consolidation?

Many debt consolidation companies now offer something called "free debt consolidation." To many people who are deeply in debt, this seems like a great solution. After all, when you are making huge payments on your debts each month, anything that offers "free" anything is bound to be pretty attractive. However, before you rush in and sign up for a "free debt consolidation" solution, you should know exactly what you are getting yourself into. Free debt consolidation has many meanings and different companies use the term differently. In many cases, companies using the term "free debt consolidation" are...

I Thought A Three Digit Credit Score Was Involved I Ca

Q: I requested and received a free annual credit report. Instead of getting reports from all three agencies I randomly selected Experian. This is the first time I have seen my credit report. There are at least two errors; my employer (they list someone that both Google and I have never heard of), and they show an Amex card that I canceled a few years ago as still open. The Amex card shows a $55 dollar balance, which is the amount of the annual fee. I canceled the Amex card three or four years ago. But on the credit report the...

It's Your Right: Free Credit Checks

Ever since the Fair Credit Reporting Act, everyone across the nation is allowed to access one free credit check from the three major credit bureaus once a year. This may sound confusing, but it's really not. A free credit check could truly change your life, by showing you what other people see when you apply for a credit card or loan. Your free credit check is your credit history, condensed in an easy-to-understand format for companies across the nation to evaluate and make decisions about you based on it. There are many websites that now offer a free credit check so...

Just Legal Loan-sharking?

Q: Unemployment has left me with quite a bit of credit card debt. I see those commercials & ads for debt consolidation services fairly often, and was wondering if anyone has used any that really do help, or is it just legal loan-sharking? Please advise. A: They charge you to do a loan consolidation and you end up paying more than yuou would have if you just stayed with what you got............ they advertise that they are non profit, but very few are non profit... Check with your local Better business bureau, they shold be able to let you know of a non profit...

Just To See If Its Possible?

Q: Can anyone recommend a company who will definitely take on people that have had bad credit in the past, doesn't mater if high interest rate or not, just to see if its possible? A: Capital One seem to like giving cards to people who can least afford to having one. I had some junk mail from a company called Vanquis the other day. Looks like they'll take anyone, but with interest rates of up to 69.9% you'd probably be better off with the local loan shark. ...

Attorney For Debt Settlement

Q: Could anyone share experience of using consumerlegalcenters.com (Kathleen Fuchs Attorney) for debt settlement? Thanks. BTW, can California attorney (as above) represent me with debts in New York state? A: - Debt consolidation thru such an organation is frowned on by lenders and has a negative effect to your credit rating. Bankruptcy is bad. Question, do you own a home? If you do have you considered getting a home equity loan? This would take care of...

Keeping Clean Credit

You may have seen the term "clean credit" in reference to loans and credit. Clean credit is a term used to indicate good credit scores and a good credit report. While clean credit means different things to different lenders, in general clean credit means no bankruptcies, no late or unpaid bills, no defaults on loans, no bank problems such as NSF charges, no large current new debts. Most people define clean credit as a credit score of 700 or better. To find out if you have a clean credit, you can order your credit report to see. There...

Kohl's Credit Card

The Kohl's credit card is a great idea for those people who love to shop at Kohl's stores across the country. The Kohl's credit card not only gives you flexibility when it comes to payment, but is also a money saver. For instance, when you first sign up for a Kohl's credit card, you receive 10% off on your first purchase. Moreover, whenever Kohl's has its special sales (this happens around ten times every year), Kohl's credit card holders get to know of it in advance so that they can plan your shopping and save even more, sometimes as much...

Leaving Credit Card Debt In Uk

Q: I quick 'hypothetical' situation, and a question for anyone with good legal knoledge out there. Lets say Mark (a UK citizen with a great credit history) 'legally' obtains 20+ credit cards. He doesn't commit fraud in any way, apart from not disclosing the number of other cards currently held when applying for other cards (not always ask on applications anyway). John then runs up large (??100k+) debts on the cards, cashes up and moves to a country outside the EU where inward immigration is not taken particularly seriously. Apart...

License Stolen In California (causing Bad Credit)

Q: Here's the situation: I thought that I misplaced my ca driver's license (the original picture, which is expired and allegedly invalid w/o the paper renewal). Apparently, someone has found it and is using it for cashing checks. The M.O. seems to be to get blank checks from closed accounts (not MY closed accts.) and type the address (non-current) from the expired license on them. Then cash :'( using license (and probably forged renewal). The result is that I can no longer cash my own checks w/ my own license...

Light Therapy For Non-seasonal Depression ?

Q: Has anybody with non-seasonal depression benefited from light therapy (natural or artificial light)?A:I used a SAD lamp for the first time last fall. Possibly it was a coincidence but it was the first year in memory that I didn't go into a fall depression. I should explain that my depression is an ongoing thing that is usually under control with meds. One thing I can credit the lamp with for sure is a dramatic improvement in my ability to fall asleep. i had light therapy recommended to help with my sleep disorder, along with my depression. certainly did nothing...

Line Of Credit In Quicken 98?

Q: What is the best account type to use for a home equity line of credit in Quicken 98? I could do this as a credit card account, but it would be nice for Quicken to calculate the payments & amortization. Can it deal with a loan where the principal amount changes each month? Is this something to add to the wish list for Q99? A: I have been using a Credit Card account type for my equity line for the past 6 years and it has worked fine. Since the balance changes as you...

Living...

Q: We have been looking at different options for paying down some of this debt and consolidating. We are COMMITTED to getting rid of our credit cards (we have already cut them up and thrown them out!!!!) We really want to get rid of the credit card balances we are carrying, and possibly one or both of the car payments. Our home is also in serious need of some repairs and upgrades. We have been looking at a few mailers that have come our way that indicate we can borrow up to $32,000 to pay off debt and improve...

Loans For People With Bad Credit

You may think that it is a hopeless cause if you are trying to obtain a loan and you have a low credit score, but there are actually many options when it comes to getting loans for people with bad credit. Though you will most likely not qualify for low interest loan, you may still be able to obtain a loan with a higher interest rate. Whether you want to buy a house or a car, there are many programs that can help you make these purchases despite the condition of your credit. Sometimes obtaining and paying...

Loans For People With Low Credit

If you are one of those people who have a low credit score, you may find it difficult to get any form of credit, including mortgage loans and auto loans. While many factors, such as your current occupation and earning capacity, are taken into consideration by creditors when they are trying to decide whether to extend a loan or not, typically, your credit score is the most important of these and a low credit score can sometimes override other factors. Most creditors consider a FICO score of less than 500 a low credit score and are unwilling to extend loans...

Loans For People With No Credit History

Students, immigrants and recently divorced or widowed women who have always obtained credit jointly with their husbands are amongst those people who find, that when it comes to getting a loan, having no credit history is almost as bad as having a bad credit history. For such people, getting credit may seem like a bit of a catch-22 situation. They can't get a loan without a credit history, yet they cannot establish a credit history without first getting access to credit. This may seem like an insurmountable problem, but by taking small steps you can overcome it and get a...

Long Beach Credit Union

Long Beach Credit Union is a very popular financial institution. If you are looking for a great place to start your accounts, than this may be the credit union for you. More and more people decide to have their financial accounts with credit unions instead of banks because the banks are so impersonal. However, with thousands of branches popping up everywhere, you certainly have your choice among them. There are also more and more credit unions being opened and the existing credit unions are building more branches so that it is easier for you to access your accounts whenever you...

Look For On Credit Report, Etc.....

Q: Can someone post some info on VA loans regarding eligibility, what they look for on credit report, etc..... A: Jen, I assume you are talking about buying a house in which you will live as your 'primary residence'? In that case, they look for a 41% or less debt to income ratio, as follows: For an estimate of someone's debt to income ratio, take House Payment + Monthly Debt (Student loans, consolidation loans, car loans, credit cards) _____________ = Total Monthly Debt, then divide that by Gross Monthly Income, then multiply the result by 100. That gives the...

Looking For An Online College Credit Trigonometry Course.

Q: Does anyone know of one? Junior college or University in the USA: A: -Try a search for courses at http://www.lifelonglearning.com/ or one of the other online course guides listed at http://distancelearn.about.com/cs/courseguides/ -Try http://isd.ou.edu/ Independent Study at University of Oklahoma. -Try the Globewi ...

Looking For Elegance Among Pave Engagement Rings

Pave engagement rings can make a very elegant statement. There is something very rich looking and elegant about many small diamonds, clustered together, sparkling no matter which way the light hits the ring. The reason for all of the sparkle is that pave engagement rings are made to sparkle. They are situated to look as though a pavement of diamonds is located on the band of the engagement ring. The look of elegance and style that this engenders is not lost on the wearer or her admirers. When looking for an engagement ring, it is a good idea to look...

Looking For Good Accounting Credits Online ?

Q: Could anyone recommend a good, reasonable, regionally accredited school to earn accounting credits online? I'm considering to take online accounting courses (auditing and tax), to satisfy the education requirements to sit for next year's CPA exam (I have an MBA and some accounting credits from accredited schools, and I need at least 4 semester hours (total) in auditing and tax). At first, I thought about City University in WA, but it turned out that the school has not "yet" transferred those courses from "traditional" mail & fax format to online format. Although I may still take those classes there...

Looking For Online Accounting Degree

Q: Anyone out there know of an accredited online accounting degree?A:Online options: www.umuc.edu DL Options: www.regents.edu, www.uiu.ed among others. Lots. What degree level are you looking at? Here are a few places to check: Undergraduate -- Charter Oak State College - http://www.cosc.edu Empire State College/SUNY - http://www.esc.edu Regents College - http://www.regents.edu Thomas Edison State College -- http://www.tesc.edu ...

Looking For Online Accounting Degree ?

Q: I am presently considering a new career path. I have a degree in psychology and is wondering whether to pursue another degree in accounting or to get a professional accounting designation instead (e.g CGA or CMA)? Which one is worth more (if you have to choose)? An accounting degree or a professional accounting designation? Anyone out there know of an accredited online accounting degree?A:Before the extra degrees or designations also consider why you want a career in accounting, take a beginning accounting class at a community college first to determine if you like accounting and see what...

Looking For Summer College Courses Online

Q: Iam looking to jump into the online college course thing and am wondering if anyone knows of any resources where I could find accredited institutions (not necessarily in the US) that will allow me to take a college course over the summer online for credit. I am currently studying at the University of Virginia. I'm interested mainly in courses on history and literature for the summer. I've tried the search engines and haven't had much luck.A:Try http://www.lifelonglearning.com They list hundreds of DL courses from dozens of RA schools, I'm sure you can find what you need. ...

Lowes Credit Card - For The Major Project Or The Project Master

A Lowes credit card can be a great asset for those folks who are tackling a major home improvement project or for the person who always seems to have a new project ready to launch. The convenience of a Lowes credit card allows that project master to focus on the project. Anyone who owns a home knows that there are always little projects waiting to be tackled. Whether it's a minor job like painting a hallway, or a major undertaking such as new kitchen cabinets, Lowes probably has just what you're looking for. Lowes is a hardware store that can provide...

Low Interest Credit Cards

Low interest credit cards are a boon if you shell out a heavy amount every month towards revolving interest charges for your credit card spending. Low interest credit cards take off the burden of excessive finance charges if you are willing to buy now and pay later. Low interest credit cards are the result of cutthroat competition among major credit card issuing companies and financial institutions. These organizations are persistently striving to expand their customer base, and low interest rate is an effective marketing tool. You can benefit by this competition and save substantially on your credit card charges. Additional benefit...

Making Credit Cards Work For You

Credit cards scare many people, especially around Christmas time and January, when credit card bills tend to be huge. Credit cards are useful devices, though, that when used properly can help you enjoy life and can help you build a good credit rating. The first step of using credit cards properly is to understand what they are. Credit cards are a form of personal credit which let you charge money to your credit card account. If you don't pay off your credit card balance each month in full, you will be charged interest, just as on...

Managing Your Finances To Rebuild Good Credit And Eliminate Debt

Heavy and burdensome debt can cause quite a bit of strain on relationships and stress for individuals. Juggling fixed bills such as mortgage/rent payments, automobile expenses, utilities and food can leave little or no room to make much of a dent in those variable expenses. Given the dilemma of the ever shrinking paycheck, it can be easy to see why many of us pay only the minimum balance on our credit cards and other revolving debts. Although paying at least the minimum by the due date is important for maintaining good credit it isn't enough. Your financial health is dependant...

Mba Online - Curious

Q: I saw on UniversityAlliance.com on how one can get an accredited MBA degree online. Has anyone tried this with success? I'm just curious about it. Is an MBA degree really worth alot? I have a B.S. in Business Administration and an MCSE and A+ Computer Technician certification and was wondering if adding another credential could help me careerwise. Any input?A:MBAs from recognized schools are indeed worth a lot--I think typical starting salaries run around $70K for the one nearest here (wild guess). But an ONLINE MBA? I dunno...most MBA programs are all about doing projects...

Mba Online Course- Curious

Q: I saw on UniversityAlliance.com on how one can get an accredited MBA degree online. Has anyone tried this with success? I'm just curious about it. Is an MBA degree really worth alot? I have a B.S. in Business Administration and an MCSE and A+ Computer Technician certification and was wondering if adding another credential could help me careerwiseA:MBAs from recognized schools are indeed worth a lot--I think typical starting salaries run around $70K for the one nearest here (wild guess). But an ONLINE MBA? I dunno...most MBA programs are all about doing projects for actual businesses, the ever-loved group projects (which DOES mirror the real...

Mba Program

Q: I'm currently choosing among three universities that offer an online MBA program. Those universities are : Regis University, Capella University, and Keller Graduate School of Business. There are various pros & cons for each choice, however, I wonder if I could hear some thoughts from any of you before making my decission. A: -You might want to have a look at the "Eleven Vital Factors in Choosing in MBA" chapter in my book, "Bears' Guide to the Best MBAs by Distance Learning." Fortunately, this chapter can be read free on the publisher's website: http://www.degree.net/guides/mba_guide.html -About MBA program online,...

Mba Program Rankings & Aacsb Acredited Online?

Q: Is anyone aware of any published rankings of a DL MBA programs possibly based on rankings of the academic and recruiter communities, and quality, cost, etc? I'm only aware of Forbes top 20 cyber schools, which is by institution not by program(Phi Beta Cyber, 6/16/97, www.forbes.com. ) Also I have only found a couple of AACSB accredited online programs - Colorado State University and University of Colorado. Are there any others? A: The only source I know that rates (not ranks) MBAs worldwide is The Economist. Each year, their Intelligence Unit publishes a book...

Men's Cologne

Men's cologne should complement a man, but not define him. If you've smelled a man who's gone overboard, you've seen a woman roll her eyes and wince. Young men are very prone to over doing the cologne, but that is just a right of passage. When you have overdone the cologne, even expensive cologne seems cheap. Don't get me wrong. Women love men who smell nice. When a man walks by, sending that light breeze of a good cologne in their direction, they are literally distracted to speechlessness. Some men smell so good, that women are drawn to them even...

Mobile Credit Card Processing Problem ?

Q: I will be starting a courier business in the new year. I am hiring a mobile debit card/credit card electronic terminal. Whilst learning to use the terminal, I discovered that it wasn't set up to be able to process keypad entries. This means that my customers won't be able to give me their debit/credit card details over the phone - I would need to swipe their card through the terminal. I rang the bank, who says I need to have the terminal for at least 6 months before I am able to process payments over the phone, for...

Mortgagegood Deposit But Bad Credit

Q: I'm hoping someone can offer a bit of advice. I am a first time buyer in full emploment and have had an offer accepted on a house for 118,000. I'm in the position to put down a 40% deposit on the house, but unfortunatly I've got a rubbish credit history with a couple of defaults (nothing over about ??800) and lots of searches from about 2 years ago after I graduated and was awful at managing money. I managed to sort it out a bit now, I have a better paid job and have a credit card/small loan...

Motorcycle Financing Options

If you are planning to purchase a new motorcycle but you do not have the cash outright, there are many motorcycle financing options available that can help you obtain the money you need to purchase the motorcycle of your dreams. Whether you finance through a bank, a dealership or a manufacturer, you can usually find a plan that is right for your needs, even if you have a lower than optimal credit rating. Motorcycle financing, unlike most car financing, is available directly through some manufacturers. For instance, Honda offers a financing plan that involves something called "The Honda Card."...

Move About Low Interest Student Credit Card Problem ?

Q: I'm a 30 year old guy who is trying to figure out his next financial move and I need some sound advice. I've been in a full-time job for the last 10 years and even though I've made over $750,000 in this period, I have NEXT TO NOTHING to show for it. (Ain't that scary!) There is a small bright spot: I have very little debt, outside of student loans. Here is a summary of my debt: ---------------------------------------------------------------------- A Lowe's no-interest-until-2006 credit card that is almost paid off ($750 remaining; I usually pay $250/mo on...

Municipal Credit Union

The Municipal credit union is a great option for someone looking for a great credit union. For many years now, banks have been competing with credit unions for customers. There are actually many reasons why someone may want to go with a credit union like Municipal credit union instead of a branch bank. Banks are too busy these days and they are very impersonal. You will be treated like a number and you are not taken care of properly, at least by most banks. There are many reasons why you might decide that Municipal credit union is the best option...

My Debt Reduction Planner?

Q: How do I get my Household Bank / Best Buy credit card information added to my debt reduction planner? If I made a major purchase on their zero interest financing for 18 months plan, and they only want a very low minimum payment each month until then, then I need to somehow indicate that the remainding balance no matter how high it is, absolutely must be paid by the 18th month. Otherwise, they will go and add on a lot of interest for all of the previous 18 months. When I indicate to Microsoft Money that an intro rate is in effect of 0.0% until May...

National Life Credit Union

Most people are aware of the fact that their credit is one of the most important financial things in their lives. Your credit rating can make or break your future. You need to be sure that if you choose a credit union to help you, that you choose the right one. When it comes to finances, some people want more than what they would get from just a bank. There are so many banks out there and the service becomes National Life Credit Union can help you with all your credit and finance needs. There are many credit institutions out...

Need Credit Card Debts Solvedanyone Help

Q: Due to several reasons I have run up some large credit card debts. I am not in default though- yet. The only equity I have is in the house (joint names) which is about ??75K plus my pension funds (though one of those is with equitable!), and some endowments which dont mature for at least 7 years for the earliest. I have tried to work my way out of it but the debt has run up faster than I can manage. I now have become somewhat frozen and afraid to do anything and things...

New De Programs From Regionally Accredited Universities

Q: Yesterday I returned from a Coast Guard/Educational Branch convention at Oklahoma City. There I talked to representatives from ME/U, Thomas Edison State College, University of Phoenix, Regents University and Regent University. New programs (this past year) from these schools include: Master's in Science and Management from Thomas Edison State College. MBA and the MPA (Public Administration) from the University of Colorado at Colorado Springs -- Enroll through Mind Extension University. Changes in ME/U programs are: University of Maryland University College/Bachelor's Degree in Management is no longer available. The Bachelor of Science Degree in Interdisciplinary...

No Annual Fee Credit Cards

Credit cards are a necessity for modern life. However, having said that, the convenience of credit cards comes at a price. In addition to the financing charges and the various fees, there is also the annual fee that most credit card companies charge just for giving you a credit card. This means that even if you don't end up using your credit card much, you still end up paying for it. In such a scenario, no annual fee credit cards seem like manna from heaven. Not surprisingly, many people get so excited when they see a "No annual fee" on...

No Cost Credit Repair

If you are in debt and have trouble paying off your debt payments each month, you may be in need of debt repair. Even if you have missed just a few payments, you may find that your credit rating plummets. You may first notice this when you start getting offered worse interest rates on loans or when you have more trouble financing and refinancing things than you had previously. If this describes you, you may need some credit repair. Before you run off to a company that charges hefty fees for credit repair, though, you should...

No Credit Check Business Credit Card

Q: I'm in the process of setting up a new limited liability company (some of you may have seen a seperate VAT thread of mine) and for a few items of expenditure it would be a heck of a lot easier if I had a credit card in the name of the company that I could charge things to. My working assumption is that I don't have a cat in hells chance of a newly formed limited liability company with no trading history getting through a credit check and hence getting a credit card. Is my assumption correct or...

No Credit Check Credit Cards

Q: We all would like cheaper mobile calls, and many adverts are seen on this group offering that, but most refer to compaines (No names) who sign you up, take your bank details or credit card details and in some case even charge you a deposit if you are under 18 or if you want to prepay. Our system which has been in place for some time and is established and simple !, no sign-up, no forms, no personal details, in fact nothing !, yet we can get you calls from your orange mobile from 5p per minute !,...

No Credit Check Financing

No credit check financing may sound good on paper, but it should frequently be considered a course of last resort. No credit check financing can be good for individuals with bad credit trying to get themselves back on their feet or with no credit history at all, but can also mean higher interest rates, higher monthly payments and tough credit terms. Consumers having trouble making ends meet may seek out no credit check financing in order to pay their bills. This could mean taking out risky "Payday Loans", which can have exorbitant interest rates and can mean a lot of trouble...

No Credit Check Mortgage

In a perfect world, no credit check mortgages would exist. Unfortunately for most of us who have a credit history that is less than satisfactory, it is not a perfect world and most creditors will not extend credit of any form, let alone the high amounts that a mortgage loan usually involves, without doing some kind of a credit check. Most creditors use the FICO score in order to gauge your credit history and decide whether they should extend a mortgage loan to you. The reason for this is obvious - your credit history tells prospective lenders how safe their...

No Credit Check Needed

Be wary of any company touting the slogan "no credit check needed." While not all are bad, some are set up solely to take advantage of those that have no other choice than to go with a company that doesn't perform credit checks. These companies often will allow you to get a loan, cell phone or any other item that normally requires a credit check, with just basic information about yourself. The downside is that you will usually get hit with huge interest payments and deposits that make these types of deals insane. There are some companies that...

No Credit History And Obtaining Credit In Canada

Q: Like others, I'm finding it literly impossible to gain any kind of credit in Canada after landing. Banks and Financial Institutions have a HUGE problem granting credit to new immigrations or ANYONE for that matter who does NOT have any Credit History. It's like they won't even give you a chance. I was wondering if anyone had any luck or ideas other than secured credit cards etc. Is there any banks or places that are alittle more understanding about the concept of wanting to start a credit history and perhaps a...

Non-profit Management Degree

Q: I'm going to do a Google search, too, but has anyone here had any experience with getting a degree for non-profit management online? A: I see from the subject index to Bears' Guide, 15th ed., that nonprofit management degrees, non-resident or very short residency, can be found, among other places, at Capella, Hope International, Regis University (not, for goodness' sake, Saint Regis), and the University of Wales at Lampeter. Where does it say online? Not that I'd be looking for this kind of degree anyway. :-) As a side note, a farm in our area...

Nursing As A Second Career - Degree Options

Q: I'm sure people in this group have seen this topic before so apologies in advance, but I've recently begun considering nursing as a second career. I have a lot of questions but before I get into any of them I have some questions about the various degrees -- I already have a Bachelor's degree in a non-nursing related field so am considering an accelerated BSN program. Does that make more sense than doing an associate's? I would think so since I've already done a bachelor's general requirements. If I do do the BSN, I need to fulfill about 5...

Nursing As A Second Career - Degree Options ?

Q: I'm sure people in this group have seen this topic before so apologies in advance, but I've recently begun considering nursing as a second career. I have a lot of questions but before I get into any of them I have some questions about the various degrees -- I already have a Bachelor's degree in a non-nursing related field so am considering an accelerated BSN program. Does that make more sense than doing an associate's? I would think so since I've already done a bachelor's general requirements. If I do do the BSN, I need to fulfill about 5...

Nursing Degree College, Nursing As A Second Career - Degree Options

Q: I'm sure people in this group have seen this topic before so apologies in advance, but I've recently begun considering nursing as a second career. I have a lot of questions but before I get into any of them I have some questions about the various degrees -- I already have a Bachelor's degree in a non-nursing related field so am considering an accelerated BSN program. Does that make more sense than doing an associate's? I would think so since I've already done a bachelor's general requirements. If I do do the BSN, I need to fulfill about 5...

Nutrition Courses Through Correspondence Schools?

Q: I have been thinking about, based on my experiences with weight trouble, hypoglycemia, and illness as well as an avid interest in nutrition, work as a nutritionist. Someone told me the other day though that I shouuld be careful to make the distinction between a nutritionist and a dietician. As I understand it, the former primarily does research, and the latter does more planning of diets for others. Since my primary interest in finding a career has always been to help others, I thought that maybe of the two, being a dietician would be the best choice, though...

Obtaining A Free Credit Report Without A Credit Card

If you are trying to obtain a free credit report without a credit card, you will probably run into a good bit of trouble. There are hundreds of companies online that proclaim to offer free credit reports; however, most of these companies are actually just attempting to sell customers their credit monitoring services. Most of these companies automatically sign up users for the services when they request credit reports, allowing them a thirty day window to cancel the services before they are charged to the entered credit card. These services claim to help protect individuals from identity...

Obtaining Payday Loans No Faxing Required

When looking for payday loans no faxing required loans can be the easiest and quickest way to get the money you need. Many online loan companies offer to wire money within one hour of approving a loan application. Some of the companies do not do credit checks, allowing them to complete the transaction even more quickly. If you need cash immediately and payday is still a little while away, a payday loan may be the answer to your troubles. Most payday loan companies with no faxing required operate strictly as online businesses. You can fill out an...

Off-site Workplace Harrasment?

Q: Four members of a company's middle-management hold an off-site working lunch in a restaurant, during company time. Two of the party hold a more senior title to the others but all are on the same "level" in the company's org. chart and are considered peers back at HQ. The two directors are male, the others female. 1. As the meeting was off-site, but attended by company employees and on company time, does the hostile work environment that was allegedly created extent to the restaurant where the meeting occured? 2. As the discourse that ensued was equitable and all four parties were eager participants, AND no complaint was lodged back at...

Of Financial Debt In The Uk?

Q: What is the rule as far as moving to the states while still having a small bit of financial debt in the UK? Do they allow you to go still? My fiancee's ex- boyfriend is having trouble paying a loan that she co-signed for him. He is threatening backruptcy as well......my fiancee says their is nothing she can do and EGG (the loan company) doesn't seem to want to work with her. I guess I'll just have to go and shake him down when I go to visit in a few weeks!! lol Any advice please would be...

On All Three Credit Reports.

Q: Today I received a letter from Russell Collection Agency shows that I still owes $339 to Alexandria Hospital Emergency Room (Phyisician Bill) since Feb. 13, 1996! I tried to resolve this problem with collection agency a year ago by show my proof of paid from my health insurance but they ignored it. They can't prove that my claim letter from Blue-Cross Blue-Shield Insurnace paid $339 to my account! In Feb 13, 1996, I had auto accident because someone lost control and his car went on sidewalk to hit me in bus shelter that waited for bus. He totally damaged the bus shelter and...

One Example About American Express Business Credit Card?

Q: Is anyone else having a problem the last 2 or 3 days getting his credit card details from American Express using Money 06 and updating? I had a problem with Citibank Credit Cards that was corrected by turning off online updates and then switching back on. I wonder if I should do this with AE? A: -I am having the same problem in Money 05, any fixes yet? Last time AMEX got screwed up I had to delete the account and re-enter 6 months worth of transactions... -I'm using MS Money 2005 Standard. AMEX Account gave me error...

Online Biology Degree, Get Your Online Degree...good Grief

Q: Where does it say online? Not that I'd be looking for this kind of degree anyway. :-) As a side note, a farm in our area is offering an online course in "natural" hoof trimming. How one can learn to trim feet, naturally or not, without ever touching one is beside me. Maybe their idea of natural hoof trimming is to tell folks to leave their horse's feet alone and fire their farrier. :-( A: Oregon State University, has a whole department of Equine science, in conjunction with the school of veterinary...

Online Buspar

If you are suffering from mild to sever anxiety attacks on a regular basis and/or you are having mild problems with depression, chances are you are thinking of buying buspar as a treatment. Buspar is proven to help people who are suffering from anxiety and is an FDA approved medication for treating it. Because of the drug's popularity, you can go to almost any website in order to get buspar. When you go online for buspar, you can order the drug for yourself and have it delivered to your door. There are websites that require you to have a prescription...

Online College

If you are considering applying to an online college, there are some things that you need to know about them first. It seems that nearly every college or university these days is offering a degree course that you can get online. They all claim that they can give you a certified and recognized degree, but not all of these degrees are in fact recognized or even real. The truth is that for almost every 10 online degree course, only 1 of them is valid. If you are really hoping to get bachelors or master's degree from an online college course, you...

Online College Degree Program

Q: I moved to the DC area last year and prior to that I was attending Indiana Institute of Technology's accelerated degree program. While I was able to attend class in person then, that's really not an option now so I am looking around for online accelerated degree programs. I currently have about 60 credits toward a degree in Business Administration with an MIS emphasis. The 60 credits is made up of a combination of coursework and CLEP tests. This is what I am looking for: * An accredited online accelerated program that offers a...

Online Course Recommendations ?

Q: Can anyone recommend a good online screenwriting course? I'm in New Zealand. The UCLA one is quite pricey, I am also keen for a course with an experienced tutor, i.e. with screen credits.A:I guess if "online" is the only way to go, then go ahead, but I took an online screenwriting class from NYU and maybe it was the teacher, or maybe it was just the fact that it was online, but I didn't get much out of it other than confidence. The teacher loved my stuff, said I had real talent. Did she help me in any way? Not really. In all seriousness, I've...

Online Credit Reports

Millions of Americans want to know what is in their credit report and what may be preventing them from getting that loan for the house of their dreams. Online credit reports make that possible. You may find some that are free to view your credit report, but some of those turn out to be scams. Online credit reports contain the exact same information as any other credit report. It includes your full name, employment history, previous residences as well as current, your social security number, your spouse's information, and a lot more of your personal information. All of this is...

Online Degree Business Schools

Q: I'm an American living abroad who is considering going back to study to complete my BA (and move onto an MBA) in business management. I would like to hear some recommendations of credible universities that provide online studies. In addition, if anyone also knows of such a university that would provide credits for previous work experience (I have close to 13 years in various admin and management roles in the hi-tech work force). A: You might try Thomas Edison State College (http://www.tesc.edu), a dirt cheap regionally accredited state-funded school that allows unlimited credit from portfolio evaluation (you can...

Online Degree Master In History, Distance History Masters Programs

Q: Does anyone know of any universities that offer online or distance Masters degrees in History? I do not have a schedule that will allow me to attend local classes, and the only university I have found American Military University is not accredited. Any help would be appreciated.A:If you go to www.degreeinfo.com you can use their degree-college finder. You state what degree and/or subject you want and a list of schools come up that offer such. I think this is the correct terminologies. I cannot pull up the page. 1) AMU is accredited by the DETC...

Online Degree Program

Q: I Would like some recommendations for good online degree program for Bachelor of Science in Computer Science or any computer related degree program. A: If you decide that the BS in CIS will meet your needs I would encourage you to look at a program which has received little attention in this NG. After starting on the BSCIS program at UMUC, which I found to be poorly organized, I transferred to the University of Massachussets at Lowell BS in IS program. I have found the UML program to be well organized, the instructors are knowledgeable and very approachable. I have yet to find an instructor...

Online Degree Program ?

Q: Would like some recommendations for good online degree program for Bachelor of Science in Computer Science or any computer related degree program.A:- If you decide that the BS in CIS will meet your needs I would encourage you to look at a program which has received little attention in this NG. After starting on the BSCIS program at UMUC, which I found to be poorly organized, I transferred to the University of Massachussets at Lowell BS in IS program. I have found the UML program to be well organized, the instructors are knowledgeable and very approachable. I have yet to find an instructor who responded to posts...

Online Fluoxetine Shopping

Online fluoxetine shopping offers many advantages. Online fluoxetine shopping via a virtual pharmacy can offer great discounts and sales since pharmacies online often offer generic drug brands as well as sales and discounts. Online fluoxetine shopping Online fluoxetine shopping can save you many thousands of dollars each year. It is also very private and discreet. Most pharmacies won't even ask to see your prescription when you try your hand at online fluoxetine shopping. Online fluoxetine shopping can also be fast and easy. You can take part in Online fluoxetine shopping at any time convenient to you - just log into...

Online Graduate Degree Program, Online Bachelor's Degree ?

Q: My niece has asked me to help her find a way for her to finish her Bachelor's Degree in Human Resources after recently having a baby. I suggested she might find online courses a viable alternative for her and I have looked at a few programs online. She is asking if University of Phoenix has a good program and reputation for online degrees. Anyone have any experience or insight into this?A:I just finished a Master's program with University of Phoenix online. It was expensive (they are a private university).I completed my degree in 18 months. It was pretty time...

Online Mba University Of Liverpool

Q: I searched google groups, but I didn't find enough contributions concerning the online MBA at the University of Liverpool (UoL). I am interessted in a 100% online MBA, so one of the programs I found was the online MBA at UoL. Can you please shed some lights on the following points: 1. The UoL admission advisor is pushing me too much to apply, the thing that makes me a bit uncertain about the program and its quality. 2. The admission advisor works in Holland instead of being in Liverpool ? Even though the Masters Software comes from Holland, I...

Online Or Distance Physics Course

Q: My daughter is a h.s. junior, 760 on the SAT II in Chem. She wants to take both Bio II AP and Chem II AP senior year, but has not taken Physics. She is at a new school this year and they require Physics before she can take advanced science classes. She's top 10% of class, etc. Does anyone know of a good online or distance Physics course? Alternatively, she wanted to spend the summer in France, should she try to take a university course there? I'm afraid her French will not be up to the technical/scientific vocabulary...

Online Practical Nursing Degree, Nursing Degree Advice Needed

Q: Im currently undertaking the specialist pratice degree course. I am looking for any articles relating tho the following: (1) teaching and learning styles (2) change management theory If anyone can point me in the right direction I would be really grateful. A: I'm a student nurse on a mental health asessment unit, and my mentor is currently doing an essay about learning styles as part of her PP126. She has covered subjects such as; andragogy and pedagogy (teaching styles), and theories such as Transactional analysis. For managing change, try; 'Prochaska's Theory', forcefield theory, stages of...

Online University Degree Program

Q: Would like some recommendations for good online degree program for Bachelor of Science in Computer Science or any computer related degree program. A: If you decide that the BS in CIS will meet your needs I would encourage you to look at a program which has received little attention in this NG. After starting on the BSCIS program at UMUC, which I found to be poorly organized, I transferred to the University of Massachussets at Lowell BS in IS program. I have found the UML program to be well organized, the instructors are knowledgeable and very approachable. I...

On Tv Like Ameridebt And Such?

Q: Has anyone ever used one of those debt consolidation services you keep seeing on tv like Ameridebt and such? Do they do any good? A: -I've never had need of one, but I've known a few people who have done this. Some companies are OK and some are a scam, locking you into a bigger or longer-term loan with no real help. I don't think any of them really do anything you can't do yourself with a home equity loan or a low interest credit card. Mostly they are home equity loan agents. The monthly payment is lower,...

Opportunity In Bad Debt Recovery

Q: I am starting my own business in the IT & Comms sector, the profile of the business in terms of number of custmers is high with a large ammount of invoices I am trying to decide whether to set up invoicing & debt recovery myself or to outscource to another company specialising in this area. Who are they Are any on net What is the likley ammount they will charge as a percentage of each invoice ?A: Debt recovery costs are always high whether undertaken by yourself or one of the specialist companies. Undertaken by yourself you...

Opportunity In Outscourcing Invoicing Debt Recovery

Q: I am starting my own business in the IT & Comms sector, the profile of the business in terms of number of custmers is high with a large ammount of invoices I am trying to decide whether to set up invoicing & debt recovery myself or to outscource to another company specialising in this area. Who are they Are any on net What is the likley ammount they will charge as a percentage of each invoice ?A: Debt recovery costs are always high whether undertaken by yourself or one...

Or A Debt Elimination Program (such As Pfs Offers) To Pay Off Debt?

Q: Need opinions on which is better, a consumer loan, a home equity loan, or a debt elimination program (such as PFS offers) to pay off debt? Wouldn't it be cheaper to get a loan to pay off all non-mortgage debts while paying off mortgage, and be done with it quicker than with a debt elimination program? wouldn't this save a lot of fees too? Can anyone help me see the numbers here? A: My inclination is that a home equity loan is is #1 choice, consumer/debt consolidation loan is #2 and a debt acceleration program, there are several...

Or Any Web Sites I Could Take A Look At?

Q: we have $10K in credit card debt that we have been paying on for almost 3 years through a debt reduction program. the interest rates were dropped to 8% on most of the cards (4) but we arent getting anywhere w/this situation. we still owe what we started out w/3 years ago. we are considering calling the creditors and asking them to settle, maybe add up what we've paid in the last 3 years and see how much that amounts to versus our original debt (without interest). any suggestions on how to go about this, or any web sites I could take a...

Order Phentermine Today

Phentermine, like other popular drugs, can be ordered quickly and easily over the Internet. You just have to know where to search and which site to order from. Start by choosing a few keywords with a reliable search engine. "Phentermine," "diet drug," "weight loss," and other similar phrases can bring up a list of numerous sites. You will have to browse each one to find those that let you order drugs online or by mail. When paying by credit card, make sure the site is secure so that your account number cannot be duplicated or stolen. Also be careful when processing...

Organizations Like Genus Credit Management And Pds?

Q: I would appreciate feedback on the debt reduction programs offered by organizations like Genus Credit Management and PDS (Personal Debt Solutions). These orgs are non-profit and have agreements with credit card issuers & banks for lower interest rates for debtors they sign up. To sign up you give all your consumer debt accounts (credit cards, unsecured loans...) to Genus or PDS and they lump them into one payment per month. In my case my monthly payment would go down 23% through Genus. To sign up you must give up all your credit cards, which has implications for renting...

Or Is One Enough?

Q: I've lived in the US little over six months now, and am trying to establish credit, which is proving to be a bit more difficult than expected. I'm not planning on buying car or a house anytime soon, but since my crystal ball is a bit hazy, I'd like to get prepared for the future. Though living here before as a student, my credit history was blank. But I did get a secured credit card, and I've had that for maybe four months now or so. It's from Orchard Bank. Now, would getting more (secured) credit cards help...

Ottawa Credit Bureau

Credit bureaus are companies that collect, maintain and sell information about consumers' credit histories. Credit bureaus source information about consumer's credit habits from institutions that extend credit such as banks, credit unions, finance companies and retailers. They also collect public record information such as information about bankruptcies, judgments and registered items. All this information is collected by credit bureaus and put together in the form of credit reports. Credit bureau reports typically list how individuals manage their debts and make payments, how much untapped credit they have available and whether they have applied for any loans. These reports are...

Past?

Q: I use the debt reduction planner, and specify a fixed amount to pay off every month. Let's say, $500. However, I don't use the debt reduction planner to add those bills as "scheduled" in the main scheduler. I manage the payments myself manually, but like looking at the debt reduction planner to see where I'm at. However, it doesn't update my payment per accounts properly month to month. When I look at the debt reduction planner month-to-month schedule, the current month says I should be paying over $4000 in bills, and then from next month on, it divides the $500...

Payday Loans At 459 Interest Victimizes Mlilitary Fami

Q: Payday loans at 459% interest victimizes mlilitary families; Usurious congress proposes cap at 36%A: Many payday loan businesses are clustered near military installations, with nearly two dozen of them around Camp Pendleton, the Marine base north of San Diego. Military bases offer financial counseling and zero-interest emergency loans to troops in trouble. They also can recommend credit unions that offer low-interest loans. . ...

Payments By Credit Card?

Q: Can anyone point me to information or examples on real-life online and secure credit card processing for newbies? The I Buy Spy store didn't really go in to that. I use Paypal periodically but that a pretty cheezy way to do it. What if one wanted to setup a real online store, how would you handle payments by credit card? A: -I've been looking into this recently myself. What I have found is that is expensive (for me anyway). Check out Verisign for one, they offer credit card processing. Or check with your bank about a merchant...

Payments Just A Lot Of Credit Card?

Q: What would happen to your credit rating being you have good credit in the first place never missing payments just a lot of credit card. Last time i checked my credit it was between fair and good and it was because of excess debt. What would happen if you pay all the 14,750 credit card balances off in one month, and close my credit card accounts. Will my credit skyrocket. I have very wealthy and loving parents they offered me a low interest loan today i didn't ask they think i am deserving of it. I...

Personal Credit Report

Personal Credit Report is a very important document in this debt-oriented society. Your personal credit report decides the fate of all the loan and credit card applications you make. Whether or not you will get a house mortgage, car financing or for that matter, any sort of financing depends on your credit scores in the credit reports. A personal credit report carries all your credit payment history and forms the basis of future credits and advances by any financial institution. Your personal credit report also carries vital personal information like your name, address, telephone number and all previous addresses and telephone...

Personal Loan Information

Things happen. Medical bills pop up unexpectedly, repairs have to be done on autos or homes, or appliances break down and have to be replaced. When something happens like this, there are options for loans online to help consumers recover from things like this. There are a few tings to consider when looking into a personal loan, such as type of loan, interest rate handling, and who to get the loan from. The first time type of loan is the secured personal loan. This type of loan is easier to get than an unsecured loan. This...

Personal Loans

Personal loans are the loans that you seek when you need money for personal reasons that generally do not involve major purchases like homes or cars. Personal loans are offered by many different companies and are given for just about any reason like debt consolidation. Almost every company that will lend you money for a person loan is likely to require a higher interest rate because of the fact that there is no viable asset attached to the loan. Even though most people view personal loans as monies borrowed from friends or relatives, companies like AmericaOne will also give you...

Places You Can Find Debt Help

Debt help is available in many forms. The similarity is that all forms of debt help try to get your debt reduced or eliminated. Some forms of debt help are very specialized. Some debt help services are aimed at those with student debt, while other debt help is available for those with large credit card debt. Still other forms of debt help are geared towards those with large debts tied to their homes. Generally, you start to look for debt help when you find that your monthly debt payments are getting too large to handle comfortably. ...

Please Give Ideas About Experian Credit Record ???

Q: I was refused an application for a Cahoot online bank account due to my credit rating from Experian. I wrote to Experian to get my record, and was surprised to find the record contained zero information! (though I have no history of bad debt). Firstly they did not have any record of my address on the electoral register (I have only lived there for a month and only filled in the electoral register form recently, so that's probably to be expected), and they have no record of my previous addresses, even though I was on the register. I...

Please Send Information Regarding Online Art Course ?

Q: Please send information regarding Online Art Course.A:Chicago Online Art Discussion Course Taught via the Internet Fall, 1993, 3 college credit hours Governors State University ...

Problems With Card Credit Debtwanna Free Living

Q: I made a complete jackass of myself four years ago by taking on more credit than I could chew. My current situation isn't hard to imagine. I'm unemployed with creditors and collection agencies calling me everyday. I've been unemployed for 18 months and have been able to sustain a meager standard of living only because my wife has been earning in the meantime. I haven't paid any credit card bills since I lost my last job so collectors and other agencies have had 18 months to plan and plot against me....

Problems With Consolidation Credit Debt Needing Help

Q: Well I have a quick question maybe someone can help me with. My girlfriend has about 6 different credit card bills that she racked up when she was younger. She is now at the point where she would like to possibly consolidate all the debt and pay a low monthly few. She called a debt consolidation company and they said this does not effect her credit. I heard from a good friend that debt consolidation of credit cards will ruin her credit for 7 years?? Is this true.Also if this is...

Process The Credit Card ?

Q: I am trying to think what the best process for offline credit card processing would be ? I have https so they can use that secured site to enter credit card information, then it is saved to database ... should I keep it there after I process the credit card ? For how long ? Is there another credit card processing as easy as PayPal ? .. I found it pretty easy to implement, problem is that if the person paying doesnt have an account they have to create one .. some people dont like that ... any...

Debt Elmination Programs

Q: Ok, so, the last 10 years, after starting a new business, I finally got myself up to about $70,000 in credit card debt. The final straw was when one of the card companies raised my interest rate from about 19 to 23 %. i finally realized, i was getting nowhere, and those bloodsuckers had made, in the last 5 years, over $70,000 in interest on my accounts. So, now i am looking into these "credit card" debt elimination programs, advertised pretty strongly all over the web. Naturally, i am not suckered into the spam emails, but am looking for...

Proportional Text Fixed Text

Q: 1) Does getting a copy of my credit report deduct points from my credit? I was told once that it does, but I'm looking for more info. 2) Does simply applying for, and getting a credit card effect a persons credit? A: -You getting a copy of your personal credit report has no effect. Someone else getting a copy of your credit report is considered to be an "inquiry", most of which do count against you. Especially after the 4th inquiry of the year. The credit a ...

Protection And There Isn't Much A Creditor Can Do About It.

Q: My research indicates that even a solvent corporation can seek Chapter 11 protection and there isn't much a creditor can do about it, right? A: First, if the bankruptcy is filed less than one year after the conveyance of the building, the deed to the son is called an "insider preference" and is voided, causing the building to return to the bankruptcy estate. Second, a Chapter 11 plan must be carefully drafted so it CAN be approved. Your client must be treated equally with all other unsecured creditors unless the judge is convinced that there is a reason...

Pulling Your Credit Report

Q: My job is in the credit field, and I look at people's credit reports (or a summary thereof) every day, but still, I was trained with the knowledge I need to do my job, and not more. In this case, I want more, and I'm sure someone on AFCA would know. Why are some people so deathly afraid to have their credit report pulled? Does it lower your Fair Isaac, Beacon, or any other credit-scoring method so very much if an additional credit report is pulled? Working bank cards, I've had people ask me for credit-line...

Qualify For Ace Recommendation Credit And Anything About Ccrs.

Q: How can I find out what commercial courses I might have taken that might qualify for ACE Recommendation credit? I searched through the ACE Web site but couldn't get any insight. For instance, I've taken some courses from Oracle Corp. Might they qualify? A: ACE publishes "College Credit Recommendations: The Directory of the National Program on Non-Collegiate Sponsored Instruction," but it's not generally available (Amazon.com lists a 1986 version that ships in several weeks.) The only place I see it is in registrar's offices. If you are near a community college, ask who in their registrar or admissions...

Question About Avoid Bankruptcy

Q: How to avoid Bankruptcy?A: If you are in a condition of financial hardship, COMMITTED to avoiding bankruptcy, owe more than $5,000 of credit card debt, and have some income to work with, you should definitely give serious consideration to the debt negotiation strategy. If you would like free information to find out if you qualify and would like to find out the FACTS on what your options really are you can visit us at www.NoMoreBadDebt.com and request the information. It's free. . ...

Question About Havard Online Courses

Q: This forum has been a tremendous help over the past few months. I would like feedback and more information on Harvard's new Masters of Liberal Arts in Information Technology. The reason why I am interested is because majority of the required courses are available on the internet. This is what I know so far: 1. $1200 per course for graduate credit. 2. 10 modules/courses required for Graduation total of 40 credits) 3. 4 of 5 mandatory courses are available on the internet and a few electives are also broadcast on the web. 4. Open enrollment to those with Bachelor Degrees and prerequisites. Any of you taking this route and what feedback can...

Rates) To Pay Off My Credit Card Debt?

Q: Is it a good idea for me to take out a loan (at much lower interest rates) to pay off my credit card debt? Anyone done this before? Is it easy to get approved for this if I have a good credit record and have a good paying job? A: 1) If you aren't sure of the answer, you should cut up your credit cards immediately (seriously). 2) Whichever method is costing you the least is the best way to pay off a debt. Since your credit card interest rate is going to be much worse than any rate you would get at the...

Recommendation For Computer Science Degree Program?

Q: I have a few college credits and would like to get a bachelors degreee in computer science. Can you recommend a good college on the internet for this?A:- Excelsior College -- formerly Regents -- has a BS in Computer Information Systems and is flexible about accepting transfer credit and credit by exam -- http://www1.regents.edu/itweb/itcts01.html See http://distancelearn.about.com/cs/compinfoscibach/ for a list with links to more computer and information science bachelor degree programs. - When I went searching for an undergraduate Computer Science degree program last fall I found few on-line Computer Science programs, but many related degree programs (such as various flavors of Information Systems). Listed below...

Reduction Planner Significantly Distorts The Cashflow Forecast?

Q: I have a credit card (configured as a charge card) which I pay in full each month by direct debit. I have placed the cc in the debt reduction planner. This means that the next payment always adjusts itself to the outstanding balance of the card. Also, if I look at future payments in the bills & deposits calendar they are set equal to my estimated monthly spending. Unfortunately, these future payments are not reflected in the cashflow forecast for either the cc or the current account which pays the direct debit. If I ignore the debt reduction planner and simply create a recurring bill for...

Refinance Auto Or Keep Making Payments

Q: I have a car loan with 22 payments to go. About 2 years ago, I went through a divorce and because of this I had a period of 8 months where I was constantly 1 month behind on the payment. Due to this period, I now have 8 30 day late payments showing up on my credit report. After the divorce was final, I was able to catch back up and I have now made 14 consecutive payments on time. The apr is currently 15.99% which is ridiculous, but I needed a car and...

Regionally Accredited Online Criminal Justice Degree ?

Q: I am the Director of the Criminal Justice program at Cloud County Community College. I am proud to announce that we have recently received full accreditation for our ONLINE degree program from the Higher Learning Commission of the North Central Association. To my knowledge, we are the ONLY community college in our area to receive accreditation from the Regional Accrediting agency. Other schools have been authorized to offer individual classes, but under the rules of the Regional Accrediting Agency a school must make a formal request for institutional change before the degree program will be accredited. ...

Registered Nursing Degree, Nursing Degree Via Correspondence?

Q: My wife has a 2 year nursing Diploma and is working as a registered nurse. The hospital she is working at is willing to train her in the ICU and she would like to upgrade herself to a BSN. Is it possible to do this via a correspondence course (primarily) though she knows there will be some time spent classroom and practical classes? She doesn't really want to have to stop work and go back to University for 2 or 3 years and start out again. I've looked out on the Net and haven't...

Removing Oneself As Cosigner From Auto Loan

Q: I cosigned for a former girlfriend two years ago, on a new car loan. Our relationship has since soured, and she's been late several times on the monthly payment, so that my credit has been dinged each time. (I worked out an arrangement with the financing credit union to let me know when she's late before it hits my credit, but they've been sloppy about reporting to me.) Additionally, my financial situation has drastically changed in the last two years. I've been unemployed for a year and I'm now in debt,...

Renting And The Tenant Credit Check

Many people dread the tenant credit check that is inevitable if you want to rent an apartment or a house. The person that owns the place you would like to live will most always run your credit to see how reliable you have been with payments in the past. This could be a big problem for some if you don't have any credit at all or if you have been delinquent on some accounts. If this is the case, you will probably be turned down for the apartment or house you wanted to rent. If your tenant credit...

Repair Debt With Healthy Spending Habits

Next to our physical health most of us are primarily concerned with our financial health, and with good reason. Although our intentions are usually great our follow-through and discipline generally isn't. Mere mention of the word budget or cutback sends us into fits. As a result most of us carry more debt than we can handle comfortable. Recent surveys record the average American debt at more than $7,000 per household. To make matters worse, we are spending more and saving less. Turning this unhealthy habit around will take time, discipline and patience. We are not likely to see any debt...

Repairing Bad Credit

There are many companies that can offer your bad credit repairs. If you've been careless with your credit in the past and you want to purchase a house or car, you may need to repair your bad credit first. Bad credit repairing companies have fees that range from twenty dollars on up to hundreds of dollars. These companies can not wipe your bad credit history clean, but they can help you improve it. Although this is something that you can do yourself free of charge. They will however allow you to put all of your delinquent bills into one monthly...

Repo ? Any Advice ?

Q: 2000 F250 diesel at Credit union from a repo ? any advice ? There is a fully loaded F250 diesel club cab at the credit union from a repo. Anything I ought to be concerned about before I bid? Has 106,000 mi. on it. Looks like it was well cared for....but that really doesn't make much sense to me as it is repo'd. A: -Absolutely! Get a set of test strips from your local NAPA store and test the radiator coolant. If this has not been properly maintained, you could be in for major problems in the...

Free Credit Score And Report

Q: Where is the best place to get a free, reliable, and accurate credit report AND your credit score? Which company is known as the market leader in providing free consumer credit reports and scores? Also, do I get points knocked off my credit score for requesting a credit report with credit score? A: -If you are a US resident, you are entitled to a free report annual from all three major agencies. There is no "market leader" in free reports - you just go to the real web site https://www.annualcreditreport.com/cra/index.jsp and request it. Avoid the millions of scam sites with...

Report And Your Credit Score??

Q: Where is the best place to get a free, reliable, and accurate credit report AND your credit score? Which company is known as the market leader in providing free consumer credit reports and scores? Also, do I get points knocked off my credit score for requesting a credit report with credit score? A: -Do you understand what a credit score is? Do you understand that while everyone and their brother may offer to give you a score (my assessment of your score is that you are a 380), the only one that means anything is the one used...

Report And Your Credit Score?

Q: Where is the best place to get a free, reliable, and accurate credit report and your credit score? Which company is known as the market leader in providing free consumer credit reports and scores? Also, do I get points knocked off my credit score for requesting a credit report with credit score? A: -Do you understand what a credit score is? Do you understand that while everyone and their brother may offer to give you a score (my assessment of your score is that you are a 380), the only one that means anything is the one used...

Report As Well?

Q: I have just got a copy of my credit report from Experian. Does Equifax hold the same information? ie Do they share information and would the report show the same, or do I need get a copy of the Equifax report as well? A: -You'd think they should be, but they are not consistent. I get data on one report but not on the other. If I was you, I'd get both to be sure. -You should get both. They get data from different, but not mutually exclusively, sources. Some credit providers report to one but...

Report A Year From All Three Major Credit Reporting Agencies?

Q: Is it true that California residents are entitled to one free credit report a year from all three major credit reporting agencies? Someone told me this is true, but I've never heard of that being the case. A: -I have not heard of that rule. But I'm no expert so it could very well be true; are you, perhaps, referring to legislation that passed very recently? As far as I know, you still have to pay a fee (I don't know if there's a cap set by federal regulations). I'm surprised Experian gave out free reports for as...

Report To Print The Desired Correspondence?

Q: I need a report to print out all the places (creditors) a person owes money to. The report is set up to print on a label format (name , branch address1 ,2, 3 and Postcode) The problem is this ; If the person owes money to the Halifax it is often the case that this will be sent to a debt collection agency. If a debt collection agency is involved, 3 different addresses can be printed out (creditor, Debt Collection Agency or Both.) I've set up an 3 combo boxes to store the values so the user can input where the...

Reviewing Nontraditional Home Loan Options

Gone are the days of the standard 30 year mortgage with a fixed interest rate. People today have different situations, be it non-perfect credit, inability to make a down payment, or being a first time homeowner. Things have changed and there are options available for anyone wanting to purchase a house. The first option in loans is a 40-year loan. It is similar to the standard 30-year loan, but has an extra ten years for the payoff. This extension comes at the cost of an average half point higher in interest rate. This is a good...

Robin Credit Union

A credit union is a cooperative financial institution, owned and controlled by its members who also happen to be the people who use its services. While credit unions are financial institutions they are unlike banks and savings and loans, in that their purpose is not to make a profit but to serve the financial needs of their members. The members of a credit union typically have something in common. They either have the same occupation or study in the same university or live in the same place. Credit unions evolved from the cooperatives of Europe. They gained popularity in the...

Safe Harbor Credit Union

The Safe Harbor Credit Union was established in 1952 by employees of the Ludington Plant of Dow Chemical Company. It was originally known as the Dow Ludington Employee's Credit Union. The mission of the founders of the Safe Harbor credit union was to provide a safe environment for the employees of Dow's Ludington plant to save their money, getting a good rate of return in return as well as a source for loans at a low and fair rate of interest. Like other credit unions, the Safe Harbor credit union was set up not to generate profits but to serve...

Sales Training

Sales training is very important if you plan on going into the sales industry business like selling cars, houses, credit cards, or just about anything that needs that little extra push toward consumers to convince them it is for them. Going through sales training can teach you the techniques and fundamentals for you to successfully sell ideas or merchandise to potential buyers. You will learn the basics of the selling process and the most modern selling techniques and ideas. You can also take some online sales training classes to teach you the methods and techniques of the selling world. For instance...

Second Chance Credit - Apply Carefully

Second chance credit is a vital way of rebuilding damaged credit. The problem is that many people begin with good intentions but let their credit get out of hand quickly. The solution is to apply for (and use) second chance credit carefully. Remember that your credit report is affected every time you apply for credit. That's true whether you accept the credit or not, which makes applying for credit at a particular store seem a little less attractive. Some creditors may even deny your credit request based on whether you've applied for credit from many places. Excessive requests for credit can...

Secured)?

Q: I've been in the chapter 13 four years now all debt is paid but the secured . My question is Can I go ahead and get out now with no problems? A: I'm assuming that you mean that all of the debt is paid except for the *un*secured. Were you to dismiss your case now, all your unsecured creditors could now go after you for the full balance due (including interest, late fees, etc. incurred during the period of the bankruptcy). Discuss this with your attorney *before* doing anything. ...

Secured And Unsecured Credit Cards For Bad Credit

If you are looking for ways to improve your credit, you have many choices regarding secured and unsecured credit cards for bad credit customers. Typically, if your credit rating is very low credit card companies are quite reluctant to issue you unsecured credit cards. Unsecured credit cards are what most people think of when they think about credit cards. The issuer assigns the borrower a credit limit that cannot be surpassed, and the borrower can spend as much or as little as he or she chooses as long as he or she makes the minimum monthly payments...

Secured Card Visa

Are you looking for a new credit card or maybe your first credit card? You have probably seen that there are many options out there and it can be hard to know what is best for you. A secured card Visa may be the best option for you. If you are thinking about a credit card at all, you know you need to weigh your options and see what each What do you get with a secured Visa card? Well there are many great features that you will get with this card. And you will have the freedom of knowing...

Secured Credit Card Amex

A secured credit card Amex may be the way to go if you are looking for a great credit card. Whether you already have a car, or are looking to establish new credit, American Express may have exactly what you are looking for. Even if you have never had a credit card before and if you don't know anything about establishing credit, American Express can help you. You can get a secured card with a reasonable spending limit as you build your credit. With the secured credit card from Amex you will get quality service, great rates and friendly and...

Secured Credit Card In Canada , Example?

Q: Moved to canada from the USA. When I asked banks here if they could issue me a credit card in Canada based on my credit hisory from the US, the answer has been a consistent NO(I am told that they do not have access to credit bureau reports from the USA even though Equifax is present in both countries). 1. Does any one know any bank that could do that? 2. Most of the banks seem to have withdrawn "Secured Credit Card" as a product. Does any one know any bank that still issues a secured credit card? A:...

Secured Credit Cards - The Way To Go If You Have Bad Credit

For people with bad credit or no credit at all, secured credit cards are the way to go. It will allow you to have a credit card and build your financial reputation. It may even allow you to draw interest on your initial deposit. Secured credit cards are just like regular credit cards in most ways. They are used the same and you will get the same type monthly bill to pay. However, because these cards are generally for people who have not yet proven to the world that they are financially responsible, there is one difference. With secured credit...

Secured Credit Cards: Why You Need One

Secured credit cards are truly the credit cards for everybody. Whether you've had financial trouble in the past or this is your very first trip down credit lane, secured credit cards offer the assurance of limitations and the freedom to be free of creditors. If you've had serious trouble with credit in the past, and your current credit report isn't looking too great, consider getting a secured credit card. Secured credit cards offer people with financial problems an opportunity to rebuild their credit and eventually improve their credit reports and credit scores. So how does these credit enigmas called secured...

Seeking Debt Elimination

When you are in debt, the only thing you become interested in is debt elimination. Once your credit payments become huge and once collection companies start calling, the levels of stress will likely rise and debt elimination will become a key subject of thought for you. Luckily, there are ways to achieve debt elimination without huge fees and without completely losing your sanity: oRefuse all new debts. If you are very much in debt, it may be tempting to apply for a new credit card to go shopping yet again. Don't do it. The first...

Selling Prepaid Debit Cards

Have you ever heard of people selling prepaid debit cards? This is a fairly new idea that is great for many different people. Prepaid debit cards will work exactly like a regular credit card with a Visa or MasterCard logo. You will use the card at chosen locations like a credit card. However, the difference is that the card already has a preset amount of money on it and can not be used past that set amount. This regulates the spending and keeps things easy. This is a great option for teenagers to teach them responsibility and to limit their...

Serious Credit Debt Problem

Q: Citizens Advice reveals today the average person coming to them for help owes some ??13,153 - a sum of money that would take 77 years to pay off at a rate they can actually afford. This sum is up by almost a third compared with three years ago, and is equivalent to 17-and-a-half times their monthly household income. And as well the amount owed, the number of people in trouble is increasing. In the last eight years the number of people with consumer credit debt problems coming to Citizens Advice...

Services?

Q: Any recommendations or warnings about any of the debt reduction services? I can only find a few references on deja.com and on epinions A: The latest Consumer Reports deals with this issue--apparently, there are so many people needing these services that the companies offering them are overwhelmed, undertrained, etc. Some sites that might be of interest to you: http://www.creditinfocenter.com/ http://www.ftc.gov/bcp/conline/pubs/credit/kneedeep.htm ...

Sessions.edu And Other Accredited Online Schools Opinion Needed .

Q: I'm considering taking a certificate course at Sessions.edu. I'd like to hear opinion from people who already took any of their courses. Can you recommend any other accredited online school that offers courses in field of design? A: -There are undoubtedly some major universities doing these. Poke around. University of Tennessee is getting into online courses, particularly internet-related, although right now they're mostly programming, CGI, things like that. http://www.ie ...

Settlement. Or Do I Have To Negotiate With The Cc Companies Direct?

Q: Sorry if I'm in the wrong group but I need help about CC debts (which are way out of control and can't be met). Is there some Govt agency that can talk to me or help me negotiate settlement. Or do I have to negotiate with the CC companies direct? A: - www.fool.co.uk might be a good place to start - its a financial help site It might also be worth checking google for this group as a lot of useful information has previously been aired - Look on the web for Consumer Credit Counselling Servi ...

She Is Filing Bankruptcy?

Q: Is she obligated to notify her attorney handling the divorce that she is filing bankruptcy? (Reason being that we anticipate going to trial, and she will incur more debt in attorney fees.) A: Only if she owed her attorney fees at the time she filed, in which case the attorney is a creditor entitled to notice of the bankruptcy filing. Post-petition fees, that is attorney fees incurred after the bankruptcy is filed, are not affected by the bankruptcy filing. ...

Should I Get A Debt Reduction Service To Help Me Out?

Q: 'm in grad school and I have 5 years before I settle down and buy a house. Let's just say I've made some bad financial decisions in the past so I need to get my 617 FICO score up as high as possible in this 5 year period. My credit report shows one 30 day late period. It's been paid off, but that card was canceled by the company (so that won't vanish for 7 years), so not much I can do about that. I have three credit cards more or less maxed out to ~4000. Two of the interest rates recently...

Should I Refinance My Car Loan On A Credit Card

Q: I just bought a new set of wheels. I financed it through Toyota Finance, a $31,000 principal over 5 years at 6.45%. I am pretty happy with that interest rate, and my intention was not to accelerate the payments on the loan, as I am trying to save money for a downpayment on a house. But I am getting about two offers per day for credit cards, which are promising me a 0% intro rate for 12 mos, give or take. I am tempted to apply for one of these cards, and transfer the amount...

Simulators For Equifax's Credit Scoring Service?

Q: A company testing a financial application has asked me if I know of any simulators for Equifax's credit scoring service. They have access to Equifax's test system but the act of making a credit scoring request can change subsequent credit scores which is messing up their test plan. So they've been looking for something which will mimic an Equifax transaction and return a static score from a database or similar. The only candidate so far is vSIM/MITS.comm which is a more generic programmable (and learning) simulator for network communications. This would probably do the job but seems a...

Small Bad Credit Loans

Do you need a loan? Are you looking for a small loan but have bad credit? Do you have trouble getting a loan because you have no credit history? Do you have bad credit or prior charges and other things that affect your credit history? If so, you will find that it is really hard to get a loan or to get good credit. But there is good news for you. No matter how bad your credit is, there is another chance for you out there. If you need a small bad credit loan, then there are options for you....

Software.

Q: I've been working hard to get my site right and add good useful content and it was just starting to pay off; I was starting to get really good placement in Google and starting to get a lot of hits for things like "Credit Repair Software" "Credit Software" and "Credit Repair Program" and I was very excited at the prospect of having a successful web business. Then suddenly a few days ago my hits dropped down to almost none. I couldn't figure out what has gone wrong, but suddenly I am no longer listed in any of the...

Software For Debt Relief

Q: I am a Quicken 4.0 user who is wrestling to pay off student loans, an auto loan, and and credit card debt on two cards (at different interest rates). Is there a software program--embedded in Quicken, MYM, or Money-- which will help me figure out the best strategy for paying off these loans. I have some cash to pay down this debt, but since my loans have different interest rate and terms, I am confused about which--and how much--to pay off first. What about Shareware programs? Is there any good shareware ...

Some Informations About Debt Settlement Company

Q: The interest rate of the debts vary anywhere from 7% to 29.99%. Approximately $9,000 U.S. of the debt is at 29.99%, the remaining anywhere from 7% to 19.99%. From what I understand, debt settlement can reduce the overall principal of the debt significantly through negotiation by the debt settlement company (by amounts such as 30%-50% on the dollar). However, (from what I understand) there is a catch- in the short term, one's credit rating will be harmed, as the balances from the creditors are being negotiated, which can cause the bills to be delinquent. But...

Something About Bond Credit Rating

Q: In this media hype about Malaysia's recent bond issue in the US financial markets, we are told about how well the issue had been received, how quickly it strengthened on its listing in markets, and how that reflected our international credit rating. We are told the 8.75 per cent interest payable on this US$1 billion bond issue has a spread of 330 points above the 10-year US Treasury bonds. More than that, would you believe it? It had been oversubscribed three times -- or as we were told breathlessly, 300 per cent; it is...

Sorting Through Debt Consolidation Services

Debt consolidation services are everywhere. Your bank or financial institution likely offers some debt consolidation service. You likely see books about debt consolidation services. Of course, there are many companies - mortgage companies, lenders, debt help companies - all offering debt consolidation services. You may have a hard time sorting out what various debt consolidation services offer and what different companies mean when they say "debt consolidation." As you may have noticed already, the term seems to be used differently by everyone. The first thing you need to figure out about debt consolidation services is what sort...

Station And Roses?

Q: "How did Portland's Pearl District get its name and when?" The way I remember it, it was always just "Northwest Portland" or "the Burnside area" (depending on how derogatory you were being, since referring to the street carried an implication of the bums/winos/homeless who lived there). But then, I was a suburbanite, and so the fine points might have missed me. Is the Pearl District just the gentrification of the area between Union Station and Roses? How far north does it go? Is the theater in the Armory any good? How ridiulous are the loft prices? Have double...

Store Card.what Does It Take ?

Q: Having lived in the Uk for almost 2 years now, I have a great credit rating with my bank (Natwest) but I have great difficulty with any other institution. is there any way to get on the books of the other agencies, I've tried applying for loans with diff companies like GE Capital for small amounts 3K How do credit ratings work in relation to being on the electoral roll, I am registered at my local council and pay all my bills. I have a good income but get refused for even a simple store card. What does it take A: -Not unusual. It's probably not that you have...

Student Credit Cards

Student credit cards can be a life saver when you're on a college campus, but it can also become a horrid nightmare. If you are not responsible on paying your bills promptly, keeping tack of your charges, or not exceeding your credit limits. Just because you have a student credit card you still have credit card rights. The Fair Credit Billing Act for consumers applies to all credit cards and can be used for billing errors to your account, items or services that have been charged but never received and unauthorized use of your charge account. Keeping a close eye...

Student Loans With No Credit Check

Student loans with no credit check can be a college student's best friend. From freshly graduated high school students to those who have already been ...

Such Score On The Experian Report. Is That Normal?

Q: I requested and received a free annual credit report. Instead of getting reports from all three agencies I randomly selected Experian. This is the first time I have seen my credit report. There are at least two errors; my employer (they list someone that both Google and I have never heard of), and they show an Amex card that I canceled a few years ago as still open. The Amex card shows a $55 dollar balance, which is the amount of the annual fee. I canceled the Amex card three or four years ago. But on the credit report the account shows "open", and even stranger,...

Summer College Courses Online

Q: I am looking to jump into the online college course thing and am wondering if anyone knows of any resources where I could find accredited institutions (not necessarily in the US) that will allow me to take a college course over the summer online for credit. I am currently studying at the University of Virginia. I'm interested mainly in courses on history and literature for the summer. A: Try http://www.lifelonglearning.com They list hundreds of DL courses from dozens of RA schools, I'm sure you can find what you need. ...

Taken) Are Viewed About The Same As In-class Courses?

Q: Do you think community college online courses (if not too many are taken) are viewed about the same as in-class courses? Do you think teaching experience would help one gain entry into a teaching program that is difficult to get into? Do you think teaching at a VoTech school is equal to, above or below being sort of a 3/4 technician and 1/4 teacher at a good public school? A: -Why not? Especially in this day and age when few can afford the cost of a private (or even state) 4 year degree... I worked at a local...

Tell Me About The Managerial Grid ? Grid Leadership Training ?

Q: I am reviewing a new training package for a client. I was surprised to see that the package's approach to leadership is designed around (teaches an abbreviated version of) Blake and Mouton's Managerial Grid III. This is the first time I've seen it in circulation for some time. Over the years, I have gotten the impression, through my training, that The Managerial Grid is not only passe, but somewhat discredited as an "attitudinal" (-vs- "behavioral") model. I have always been put off by some its assumptions and absoloutes. I lean (heavily) toward supervisory and leadership...

Ten Quick Steps To Improve Your Credit

You can always see light at the end of a dark tunnel. Yes, you had your share of bad phases when you overspent your credit, had a financial crisis and could not repay your debts. You thought that the bad phase will pass off and you will be in greener pastures. However, probably nothing worked out the way you planned. There is no need to break your head over this problem. You have now to reconstruct your finances and project or put up positive and better credit worthiness. However, to do this, you really have to push up your patience to...

Term Financial Picture.

Q: I am getting ready to close on a house in the next several weeks, and I am exploring my options afterwards to place myself in the best long term financial picture. I have no credit card debt, about 4000.00 left on a vehicle - 2 years, 7.5% auto loan. No other debt at all. I am taking a loan out for 76,000 on a 95,000 home on a 30 year 6.5 fixed. I am putting down 20% using a variable credit line against my portfolio - currently prime + 3 spread through UBS PaineWebber. I am thinking that...

Thanks In Advance For Your Wisdom

Q: I applied for a credit card (United Mileage Plus VISA) but I was denied due to a lack of credit history. The Bank representative told me that I don't have a bad credit but not enough credit history. I would like to know how long does it take to get a good credit history. What are the criteria of a "good credit history"? I applied 3 months ago, I got the answer from the bank today but since my application I used another credit card so my credit history must be better (never carry a balance), do you...

The 6 Years Off Again?

Q: In 1996 I defaulted on my credit card payments and despite numerous letters of threats and being passed to debt recovery agencies, I have NEVER at anytime made contact or acknowledged the debt. After 6 years I am still being pursued by debt recovery agents. Is the debt "written off" after 6 years under the limitation act or can they still pursue it? I haven't received any correspondence from them for a couple of years and thought it had now finished, but it looks like they've passed me on to yet another debt recovery firm as I've received a letter asking to contact them. Now it's gone...

The Benefits Of Consumer Credit Counseling

Consumer credit counseling helps people who have had trouble with credit card debt get back on their feet and get rid of the constant harassment from creditors. These services help people figure out the best way to pay off their debts, whether through consolidation or other measures. Are you so far into debt, you don't know what to do? Afraid of answering the phone and facing the threats of creditors that don't understand? Try consumer credit counseling for all of your credit troubles. Consumer credit counseling services help to put all of your payments into one low monthly payment. Counselors...

The Cf Slot?

Q: Does anyone know of any companies selling credit card readers that fit in the CF slot? A: -No. What program do you have that needs one? Seems like inviting credit card/identity theft to me (not accusing you). -I have a credit card reader and credit card authentication for PPC, you can have a BT reader or a serial reader, the BT reader also has a printer which prints the reciept. Have a look: http://81.101.161.97/mobile/prod05.htm Prices for serial based reader: ??250 Prices for BT reader and printer: ??350 Feel free to email me with an queries, I can send...

The Cheapest Meridia

If your doctor has prescribed Meridia to help you lose weight, then you already know how expensive it can be. A month's supply of this medication can cost over $100. If you will be taking it for several months that can add up to quite a sum, especially if you do not have a prescription plan that will cover, even in part, the monthly expense. The best way to find the cheapest Meridia is to ask your doctor. He or she may know of a pharmacy that dispenses it more cheaply than others, but most drugstores tend to charge a...

The Facts About Instant Approval Business Credit Cards

If you own your own business, instant approval business credit cards can help you with your monthly expenditures. By charging your expenses, you can have a record of exactly what was spent and where, making everything easier when it comes time to do your taxes. If you are in need of a business credit card immediately, there are many websites that offer instant approval. This means that you can apply online and find out your approval status within seconds rather than having to wait days to receive a notice in the mail. Instant approval business credit cards are...

The Importance Of A Check Credit Report

A check credit report is very important to have because it lets you know your rating. If you have bills that haven't been paid or delinquent accounts, your check credit report will be substantially lower than it would have been otherwise. But, if you have a good credit standing with the various bureaus, you will find that it is a lot easier for you to get the things that you want. So, if you have bad credit or no credit, it's time you do something about it. First of all, you must know what score you have, so...

The Perfect Gift: A Credit Card Gift Card

If you are searching for a great gift for the person who has everything, a credit card gift card may be the answer to your gift-giving woes. Rather than purchasing a gift certificate from a particular store, you can give an all-purpose gift that can be used anywhere the person chooses. This offers them greater flexibility, and it relieves you from trying to figure out exactly what he or she would want. Credit card gift cards can be purchased through most major credit card companies if you have an account with them. You can contact your credit card...

There Any Buisness' That Will Help Finance People With Bad Credit?

Q: I know I'm opening myself up for a lot of flames for posting this but is there any buisness' that will help finance people with bad credit? I expect to pay high interest rates and know that they will require a big down payment but I'm having a hard time finding a Harley dealer that does this. I'd rather not get someone to cosign if I can help it because I want to do this on my own. I'm getting "bit" by the Harley bug in the worst way and with the weather as nice as it is...

The State Of Ohio From Michigan.)

Q: am currently relocating to the State of Ohio from Michigan. I am in debt and am looking to bankruptcy. The Job I held in Michigan came to an end and I don't have a replacement job as of yet. Since, I am still looking for work, and I have moved to Ohio. Do I have to file in Michigan or Do I need to file in Ohio? I have done everything to get myself out of debt and have talked to way too many people and seems to have spent way too much money and getting nowhere! Currently...

The Uk Who Would Be Recognised In The Us, For Example American Express?

Q: I want to try to get a head start on living in the US and am wondering whether there is any way to start building an applicable credit rating/credit history for myself in the US? Once I arrive in the US I will have no previous history there and no rating and anticipate it will be somewhat difficult to obtain credit, if required. Does anyone know of any credit cards or account providers who I could use from the UK who would be recognised in the US, for example American Express? A: -If you has any cards, even a local store credit card, have...

The Virtual Credit Card - Safer?

A virtual credit card can be a way to obtain things. And people are finding more and more ways to obtain. People are working longer hours and engaging in self-improvement techniques. Some find better methods of investing and improving their credit, and some will simply steal your hard earned credit. There are several institutions that are fighting to minimize this problem. One of these techniques is to issue you a temporary virtual credit card. Of course, not all virtual credit cards are temporary. Virtual credit cards are just a way to shop on the web. The temporary versions just have...

Things Removed From One's Credit Report. Has Anyone Ever Done This?

Q: I have a terrible credit history with bankruptcy, charge offs etc. making it impossible to get or re-establish credit. I used to have good credit but alot of things started happening 3 years ago that I don't want to go into, which caused me to start having the problems which culminated in my credit being destroyed. Anyway I've been reading about ways to have negative things removed from one's credit report. Has anyone ever done this? Can you actually have valid entries removed from your credit report even if they're true, if they don't...

Independent Truck Driver

Q: I was wondering if it would be better for me to become a company driver or an O/O (owner operator). I really didn't want to haggle around with one of the big truck companies(i.e. Schneider, Werner, England, JB Hunt, CRST, MSCarriers etc..) I just want to be completely independent. Is that possible in today's climate?? That's all I want to do is work for myself and make good money. I was just going to an independent truck school for three weeks and get my CDL. Then I was going to my bank and have them finance me $24,900...

This Is Not Creditcounseling Debt Consolidation Deb

Q: This is NOT credit counseling, debt consolidation, debt management or refinancing. is it arbitration for your debts ?A: - You have no "right" to arbitration over a debt. - It's in your "terms and conditions" on your credit card. You know that legal mumbo jumbo nobody reads when they first receive their credit cards? This is why Americans are so ignorant b/c of stupid people like you. Get a life and get educated moron! Your creditors don't give a crap about you or your debt as long as you pay them what's owed...

Three Bureau Credit Report(equifax, Experian, And Transunion). Can Anyone Explain This?

Q: I recently orderd a 3 bureau credit report. It had scores from Equifax, Experian, and TransUnion. The difference between the highest and lowest of these scores was 36 points. It also had a "consolidated credit score", which I thought would be like an average of the three and be somewhere between the high and low score. Instead, the consolidated score was lower by fifteen points than the lowest of the three. Can anyone explain this? A: I mean the maximum possible score if the scale of each report was the same ...

Through?

Q: I need to refinance my home because of a divorce. Conseco is so high and The Associates do not refinance any longer. Anyone got a good place to go through? the home is in SD. A: -In South Dakota, you might try Home Federal in Sioux Falls. Also, Firstar / US Bank is doing some MH lending now but terms are restrictive. I dont think Triad is in SD. Neither is Origen. You might try Vanderbuilt Mortgage if you absolutely have to do the deal. IMHO, they are still better than Conseco. Other than that, open the yellow...

Tips For Fixing Your Credit

Fixing your credit can be a long and involved process, but if you are committed to getting back on track it can be an attainable and worthwhile goal. You may have to increase your hours at work or make special arrangements with your creditors, but after several months of hard work and sacrifice, you can be well on your way to having an acceptable credit rating once again. Fixing your credit rating can be highly stressful, but it can also be a financially and psychologically rewarding process. The first step toward repairing your credit is to find out exactly...

To Active My Credit Card ?

Q: how do i have a "good credit history " from my printable Credit Card Application to active my Credit Card ? I applied for a credit card (United Mileage Plus VISA) but I was denied due to a lack of credit history. The Bank representative told me that I don't have a bad credit but not enough credit history. I would like to know how long does it take to get a good credit history. What are the criteria of a "good credit history"? I applied 3 months ago, I got the answer from the bank today but since...

To Get Credit Card Processing Terminal?

Q: Is there an FAQ or new one-stop shopping web site for a small business looking to get credit card processing terminal? When I tried to research this topic on the web, I found too many web sites touting this kind of service. Some claim to have no monthly fee, no transaction fee, etc. But I have the feeling there is a catch somewhere. What I need is an unbiased comparison of services and prices, or a starting point. Some of the questions I have: Dedicated terminal versus PC software + card reader? Can Paypal be used with a dedicated...

To Get My Debts Consolidated?

Q: In today's world, each and every individual or a company has a certain amount of debt above their cashflow. When this amount of debt increases to such an extent that it becomes a difficult task to pay them off, consulting a debt consolidation management company for suggestions and advice on debt management becomes a necessity. If one doesn't consult a debt consolidation managing company, then paying all the creditors and managing the monthly household budget at the same time would be a very tedious and difficult process. To help such debt-burdened people, many free debt consolidation schemes are...

To Go To To Ask. Any One?

Q: Who do you guys usually go to to ask credit score related questions? For free, that is. I have just one question I want to ask but don't know who to go to to ask. Any one? A: -You gotta love Equifax. When I use to work at Computer City we used them for verifying checks. They use to deny a lot of them. The one thing I love about credit agency is that it's easy to get on their list, but hard to get off of... even after you've paid up. -Could try a yahoo group. You...

To Many Years?

Q: Can a debt recovery service pursue an outstanding debt until the debt is paid, even though the debt was subsequently charged-off by the issuing bank. Is there any time period for the recovery service to pursue the debt, or can they simply pursue the matter for as long as it takes, even if this amounts to many years? A: - A debt recovery service can pursue a debt until the debt is paid or settled, recalled by the credit grantor if it was an assigned v. purchased account, or the statute of limitations expires, or is discharged in bankruptcy which ever occurs first. ...

To Put The Company Under Judicial Management

Q: Econ Corp now under judicial management THE creditors of Econ Corporation have succeeded in getting the courts to put the company under judicial management. This gives it a potential lifeline - after an earlier attempt to put it into liquidation was squashed. Mr Tim Reid from restructuring advisers Ferrier Hodgson was appointed the judicial manager after a High Court meeting on March 15. Econ Corp is a subsidiary of mainboard-listed Econ International and was the second-largest construction company in Singapore until it collapsed under $256 million of debts. An earlier scheme of arrangement - a plan to pay...

To Reduce Your Outstanding Debt?

Q: There seems to be a plethora of ads on TV/radio these days offering tax relief-reduction for those who've fallen behind in their payments to the IRS. What's up with that? Why especially do some slackers (I know..I know...there are exceptions) deserve to cut a deal and get away with paying less when the rest of us bust our collective asses to pay what we're supposed to? What about these debt-relief schemes? Why is it that there are so many of these **SNORT** **CHUCKLE** non-profit groups that claim to be able to reduce your outstanding debt. Why do they claim it's so easy? Do any have a...

To Request Credit Report?

Q: After seeing a friend get a really screwed up credit report, I'd like to check up on mine. Does anybody have the information required to request them? Phone numbers to call if not address and what to ask for? Paranoid minds want to know. A: -Be sure to include your full name, current address, previous addresses, Date of Birth. I also included a photocopy of my selective service card, showing my name and current address. I forgot what other form of ID would suffice. Oh yeah, TRW provides this free once a year. -There are no Federal laws...

To, Say, $500 Have A Positive Effect On My Credit Rating?

Q: I have a few questions that I hope someone can answer. 1) Will these account closures reflect positively or negatively on my credit record? I know that if the credit card company had closed them due to a problem with me, that would definitely be negative for my credit. But is there a positive effect of closing a line of credit? Do credit card companies report this to credit bureaus? 2) On some accounts I merely want to scale back the size of my credit line. For example, at one department store I think I have a $4000...

To Write To The Credit Bureaus With Requesting A Copy Of My Credit Report?

Q: where i can download a copy of a form letter to write to the credit bureaus with requesting a copy of my credit report?? A: - U can try : Form Letters From disputing credit card errors to requesting free credit reports, Bankrate.com is here to save you time and money. We also can help you stop those annoying telemarketers and even show you how to quit your job without losing your mind. Choose one of our categories, find the form letter that fits your situation, customize it and drop it in the mail. It's the quick...

Transcanada Credit

Transcanada Credit is a consumer credit company in Ontario that will help Canadians with their credit related issues. You know how important your credit is to you. There are many things in life that you need depending on your credit. This is why it is very important for you to have the best credit as possible. There are also times that come when credit and a great credit union will help you. For example, if you need to get a loan for business or personal use, you will find that credit will play a big role in that. It is also...

Tri-merge Credit Report

You know that your credit is very important. There are so many things in your life that will depend on your credit. If you want to get a new car, buy a house or just get a personal loan, the status of your credit will affect this. So now that you know you need to have good credit, you need to know how you can check your credit rating. The most common and obvious way of checking your credit rating is by doing a credit report. There are many different companies out there that claim to offer you a credit report....

Turn Eight Payments Into One

If you are one of the many Americans struggling with debt, you are no doubt searching for a way to make that debt go away for good. There are several options, but one way to make things easier for yourself is to get a debt consolidation loan. This involves receiving a loan for the total amount of your debt from a consolidation loan firm, paying back all of your credit cards and other similar debts and then paying back only the loan firm at a low interest rate. You probably struggle with keeping track of many different...

Uic School Of Dental, Dr. Gloria A. Alessio, Broke Dental Barriers, 73

Q: Dr. Gloria A: Alessio, 73, who helped break gender barriers in the early 1950s when she graduated from dental school and opened a practice that flourished for nearly 50 years, died of cancer Tuesday, April 16, 2002, in her Chicago, Illinois, home. Explaining her career choice in the male-dominated dental field, Dr. Alessio said in a 1995 interview that her parents had encouraged her to "have more options in life than just becoming a housewife." In 1952 she was one of two women in a class of more than 100 men to graduate from the University of Illinois...

Undergraduate Distance Learning Degree In Physics

Q: Is there any university who does a distance learning degree in physics worldwide?A:I see from the subject index of Bears' Guide that regionally-accredited degrees in physics have been offered at Charter Oak, Excelsior, Mary Baldwin, Thomas Edison State, and Mary Baldwin, as well some other US schools, and some in Australia, England, and South Africa. I think the problem with a distance learning physics program will be with the lab classes. As far as I know, there is no such thing as a fully DL physics degree program, at least at the undergraduate level. What Thomas Edison, Charter Oak...

Undergraduate Distance Learning Degree In Physics ?

Q: Is there any university who does a distance learning degree in physics worldwide? A: I see from the subject index of Bears' Guide that regionally-accredited degrees in physics have been offered at Charter Oak, Excelsior, Mary Baldwin, Thomas Edison State, and Mary Baldwin, as well some other US schools, and some in Australia, England, and South Africa. I think the problem with a distance learning physics program will be with the lab classes. As far as I know, there is no such thing as a fully DL physics degree program, at least at the undergraduate level. What Thomas...

Understanding Business Loans

Business loans are in many ways the direct opposite of personal loans. While in personal loans you get money to use for personal purposes and pay the debt off using your personal income, in business loans you get money for business purposes. The debt of a business loan is paid off using business profits. Business loans are more likely than personal loans to have a cosigner. Business loans are also more likely to be for larger amounts of money. While most personal loans are for no more than $10 000 in most cases, some business...

United Auto Credit

Do you want to buy a car? Do you have bad credit? If your credit is not the best than you likely already know how hard it can be to try to get a loan for a car. There are many dealerships and banks as well as credit agencies that offer loans. If you step even a foot onto a car lot, they are going to try to put you into a car. The problem is that if you have bad credit, you may not be approved for a loan unless you can get a co-signer or put down a large...

Unsecured Credit Card

Unsecured credit card is not linked to your bank account or any of your assets. Herein your credit limit is linked to your creditworthiness and not your bank balance. The credit card companies offer unsecured credit cards to individuals who have good or excellent payment history and enjoy high credit scores. The pre-paid credit cards also fall into this category but they have a limitation. With these cards, you can spend only to the extent of card value. The advantage of unsecured credit card is that the card company cannot take away your assets if you default on your credit card...

Usa One National Credit Union

You know that your credit is very important to you. A person's finances are one of the most important things is their lives. This is why if you need a loan, you need to have a financial institution that you can trust. You need a good credit union to help you manage all of your credit and banking needs. If you look into USA One National Credit Union, you will see that they can help you with all of your credit and finance needs. You need to choose carefully when it comes to picking a credit union. USA One can...

Used My Home Equity Line Of Credit To Buy A Piano I Ca

Q: used my home equity line of credit to buy a piano. I can sell all my stocks, mutual funds and index funds to pay it off. Should I pay it off all at once, or in installments? The line of credit rate is 5.25%. The reason I ask is that so far, my investments have been doing well and I'm hesitant to get out.A: I used my home equity line of credit to buy a piano. I can sell all my > stocks, > mutual funds and index funds...

Using Credit Card Consolidation

For many people, credit cards are their only debt. And what debt! Most cards levy hefty interest charges, making it very likely that you will spend decades paying of the credit cards if you only pay the minimum each month. However, credit card consolidation can help reduce the amount you pay in interest and affect you pay over the life of your credit cards. For those who are tired of paying high interest, despite their best efforts to pay on time and stay under the limit, credit card consolidation can help. Like other debt consolidation loans, credit card consolidation works the...

Using Credit Cards Wisely

Credit cards can be a big help to you when used wisely. They can help you in emergencies, they can help make purchases both safer and more convenient, and they can help you build good credit. Many people who use credit cards do enter into credit card debt, though, and this is a problem. When used irresponsibly, credit cards can lead to staggering debt, identity theft, and very poor credit scores. Before signing up for credit cards, it is a good idea to review the proper ways to use credit cards. You should always limit the amount...

Verizon Is Damaging My Credit Report

Q: I check my credit report today and found that verizon had report a 780$ as a bad debt in my credit report. I am disputing this amount, and has coresspondance from them and from their collection agency for the last six months, and to my knowledge they never settle the case. What is the best action that I should take?A: Send notice that your are going to SUE them...then do it! . ...

Wait Before Even Trying To Obtain A Loan?

Q: We recently filed chapter 7 and it will be discharged at the end of January. Has anyone had any experience with trying to buy a home after bankruptcy? Are there special lenders who deal with this(do you get stuck w/high interest and have to have large down payments)? How long after bankruptcy do you need to wait before even trying to obtain a loan? This seems like it's probably hopeless to be able to buy a home after filing bankruptcy. Any advice is much appreciated. A: The answer(s) are varied and multiple.. The most direct answer is: yes,...

Wanted Graphic Design Donated For Non Profit Group

Q: Wanted Graphic Design donated for non profit group I'am looking for a logo to be donated and designed by students or someone who would like a challange ....The non profit group will be called "Friends Helping Friends" is a new group to be set up to help disabled people in canada get computers to communicate with...and logo will be used on letterhead ,envelopes and business cards and with all fund rasing materals etc.. We hope that more than one person is intrested in donating this work and we will give you a credit on the work and...

Was Discharged Last Fall By The Court.

Q: Someone I know filed for bankruptcy some time ago and it was discharged last fall by the court. In the bankruptcy proceedings, he apparently did not name as creditors at least one old buddy from whom he borrowed quote a bit of money on a personal basis. Some of the money was given by check, but some was cash. There were few or no records kept of the loans. Since he did not name the old buddy as a creditor, does that mean that those debts were not discharged by the bankruptcy proceeding and he can be required...

Ways To Rebuild Credit Cards Rates

If you have hit financial bottom, you are probably wondering if it is possible to ever rebuild credit cards from your low credit rating. Though it is never easy to bounce back from a low credit score, it can be done with a little will power, hard work and sacrifice. Countless people have been successful at rebuilding their credit, and by following a little good advice, you too can join the ranks of people who are now financially secure and out of debt. The easiest way to rebuild your credit card ratings is to pay off your balances. ...

What About It Service Management Training Accredited ?

Q: what about It Service Management Training Accredited ? Which course did you go on? one of the HDI / itSFM courses? How do you think it compares with the stuff from BECTa (ie FITS on the Tech Support Advisory Service)?A:The trouble with ITIL as it stands at the moment (unless its changed in the last 6 months) is that it's an 'old boys club' (sort of) when it comes to who can deliver the courses and it also suffers from the way that the certifications are arranged - you either have to have an approved invigilator come to...

What Are Bad Credit Loans

Bad credit loans are loans aimed at those people who have poor credit histories. Companies have figured out that as more and more people get into debt and as more and more people declare bankruptcy, there is a growing percentage of the population that do not qualify for traditional loans. In fact, today there are more people with poor credit ratings and poor credit histories than ever before. Companies have figured out that there is a market for bad credit loans, since people with poor credit ratings often do need financing in order to make large purchases...

What Are Bad Credit Personal Loans?

Bad credit personal loans are loans geared towards customers with bas credit histories and poor credit scores. These work in a simple way. Basically, as our nation gets more and more into debt, more and more people are having trouble paying off their debts. The result is more bankruptcies and more bad credit histories than ever before. While those with very poor credit histories often do not qualify for the same financing and the same rates as those with good credit scores, they often do need loans as well. Someone who has experienced bankruptcy recently,...

What Are Construction Loans?

Construction loans are a specialized form of loan granted to finance the construction of a new residential or commercial building. If you are having a business or house built, your construction company will often find their own construction loans or help you in financing the project. However, some homeowners or businesses like to look for construction loans themselves, since with a little research and comparison shopping it is often possible to find construction loans with better interest rates and terms than what your construction company may be willing to offer you. Both banks and private lenders offer construction loans,...

What Are Credit Bureaus ?

Credit bureaus keep information about every person that allows lenders and others to make credit decisions. There are three major credit bureaus: Equifax, Experian and Trans Union and each of these have customers (companies) that report on their customers monthly. That means that if you are late in paying a utility bill, for example, your utility company may report you to credit bureaus. Credit bureaus can then share this information about you with other customers (lenders) who are qualified by law to see your credit information. Whether you want to buy a home, lease a building, apply for...

What Are Credit Debt Consolidation Services?

Of all types of debts, credit card debts tend to cause the most trouble. Not only is it very easy to get into credit card debt, since new credit cards are offered so easily, but high interest rates mean that these debts are very hard to pay off. Many people in this country have several credit cards and therefore staggering credit card debts. If this describes you, you should know about credit debt consolidation services. Credit debt consolidation services are services offered by companies who have expertise in dealing with credit card debt. When you go to...

What Are Credit Reports And How Do They Affect You?

Credit reports are a detailed record of all of your credit activities from how many credit card accounts you have, how many loans you may have taken out, and it shows whether you are paying your monthly payments on time or have a lot of unpaid bills. If you have a lot of negativity on your credit reports, you will not be able to apply for a loan, buy a house, or even apply for a credit card. Sometimes you are even unable to get a checking account if you have a very negative credit report. Credit reports come from a...

What Are Debt Consolidation Loans?

Debt consolidation loans let you combine all debts into one large loan. A company or bank loans you money to pay off your creditors or pays off all your creditors and you only owe one amount. For example, if you have a personal credit of $6000, credit cards debts of $3000, and $1000 in store bills, you could get a loan of $10 000, pay off your debts and owe only the $10 000. While you would owe the same amount, you would likely enjoy a lower interest rate and might even have more time to pay off...

What Are The Best Credit Cards For Poor Credit

Q: What are the Best Credit Cards for Poor Credit?A: Go to http://www.free-credit-report-answers.net for news on credit cards, debt, bankruptcy, credit repair, etc.. People with a bad credit rating are keen to understand what are the best credit cards for poor credit. Yes, there are credit cards for people with poor credit some help people to rebuild bad credit with credit cards meant for people who do not enjoy a good credit rating. Perils of Bad Credit It is advisable not to make purchases beyond your paying capacity. On certain occasions, you may not be in a position...

What Does My Credit Score Mean?

There has been a lot of buzz going around about free credit scores lately because of the Fair Credit Reporting Act. The average person now has a right to access their credit report and score once a year for free. But companies have been using credit scores for years to determine whether or not you're eligible for a loan, a credit card and many other items of interest. Your free credit score, is a number based on research data and statistical analysis that helps creditors decide if you can pay a home mortgage loan back or if you can handle having...

What Does My Credit Score Mean

What does my credit score mean? This is a question that many people really don't know the answer to. Credit is a big part of our lives, whether you have good, bad, or no credit. It determines how well companies will trust our financial sense. If you have wonderful credit, you will have an easy time financing the things that you want in life. If you have bad credit, well - there's hope. So just what does my credit score mean? It is a score derived from a model system that creditors use. It is a score that factors...

What Equity? You Owe 100% On The Property

Q: immediately take out a Home Equity Loan against my property as soon as I close and pay off my car and use the rest to pay off the variable rate credit line in my portfolio. what equity? You owe 100% on the property. A: I am getting ready to close on a house in the next several weeks, and I am exploring my options afterwards to place myself in the best long term financial picture. I have no credit card debt, about 4000.00 left on a vehicle - 2 years, 7.5% auto loan. No other debt at...

Whatever Happened To Free Credit Reports???

Q: I could have sworn that it used to be you could get one free credit report per year from each of the credit agencies by law. I just went to their websites and they all charge. Oh, you can get a free credit report only if you give them a credit card information and sign up for a free membership with them (if it's free, why do they need my credit card?). Even though you could do the membership for free just for a month, I do not want to give them my credit card information. Besides, what...

What Is A Chase Credit Card?

A Chase credit card is a brand name of credit card, just like Visa or MasterCard. A Chase credit card is accepted worldwide, and the company also offers credit cards, travel cards, Auto & Gas cards and student cards, so that when you apply for a Chase credit card you can take advantage of the company's many cards and card programs to suit all your shopping needs. Chase credit cards are perfect for the customer who is comfortable online, since the company makes it easy for customers to maintain their account, check a balance, and paying bills through a...

What Is A Credit Report?

In the old days, when you wanted a loan, you went to your local bank, where you knew your banker, and applied for credit or financing in person. Since the bank knew you and your personal information, they could tell what sort of credit risk you were. Today, financing is much more complex and since no one at your bank likely knows you personally, another way is needed to let banks and other lenders determine what type of risk you are. A credit report gives this information by providing details of your finances. A credit report tells...

What Is A Good Credit Score? What Is A Bad Credit Score?

Credit Report Score For every individual credit report, the credit report agencies apply a score. The agency uses the same scoring for everyone. The credit score would vary from person to person depending on individual credit record. You would have a good credit score if you have good credit and bad credit score if your have a poor credit. Good Credit Score It is very important to have a good credit score to have a better command over your financial affairs. A good credit score saves you lots of money. You can obtain lower interest rates on mortgages, car loans or insurance...

What Is A Life Experience Degree?

People who attend university get their degree for the academic work they do - for the books they read, the classes they attend, and the assignments they complete. A degree shows that students have gained specific skills and knowledge that is valuable. People who choose to work rather than attend college also do work that provides them with valuable skills and knowledge, but they are rarely formally acknowledged for what they have learned. A life experience degree closes this gap somewhat. A life experience degree is an online degree program that offers some or part credits based on work experience. A...

What Is Credit Card Processing?

Credit card processing is a term that is used in two different ways. Credit card processing means the process through which companies can accept credit card payments from customers. Therefore, a store which can accept your Visa card has credit card processing capabilities. Credit card processing also refers to the process your application has to go through in order for you to get your credit card. When you apply for your Visa, for example, the complex process of applying, submitting your application and then having that application scrutinized is also credit card processing. For large and small businesses...

What Is Debt Consolidation?

If you have ever seen advertisements for debt counseling services, you have likely heard of debt consolidation. Debt consolidation is often heavily advertised by companies that make it look like the best solution to all debt problems. If you find yourself id debt, you may even wonder whether debt consolidation may help you get debt under control. After all, companies offering debt consolidation often promise "low monthly rates" and "easy" ways to get out of debt "fast." These offers seem more and more attractive to people int his country as overall levels of debt increase due...

What Is Debt Consolidation Uk?

If you live in the UK, you may have seen advertisements for "debt consolidation UK" and have wondered to yourself how these programs or services can help you. Most companies use the term "debt consolidation UK" as part of their name or slogan to let you know that they offer debt consolidation services for UK clients. In many cases, these companies are American and advertise "debt consolidation UK" to let you know that they welcome from clients overseas. In many cases, online debt consolidation companies have services that offer debt consolidation help to UK as well as American audiences. ...

What Is Palm Software?

If you own a palm pilot or other handheld device you can download palm software from manufacturer's sites in order to take full advantage of your device's features. Thanks to today's advanced palm software, it is possible to get a palm or handheld device to perform many of the same tasks as desktop computers. You can attach a portable keyboard to your palm pilot and install palm software that has spreadsheet and word processing features, for example, which allows you to work on the go. You can also download palm software which allows for digital imaging applications....

What Is Your Credit Score?

A credit score is a number, usually between 350 and 850 that is based on your credit history and your credit report. Your credit score is an easy way for lenders to tell what sort of risk you are for financing and credit options. Those with low scores are usually seen as poor risks and are offered either high interest rates or are refused credit. Those with high scores generally enjoy better interest rates on financing and often get more options to choose from. Every lender wants to have clients with high credit scores since these...

What Things Are Used To Calculate My Credit Score?

A credit score is the computerized report card about your credit repayments. This card takes the help of forty colors/factors to paint your credit worthiness. The range of scores is between 350 and 850.This report card is the decider your lender uses for you. If he finds that you have a high score on the board, you can very easily get credit. However, if it is in the middle level, you will have to pay huge interests. Nevertheless, you may get loans. However, it is not so if you are in the red regions. This card is an indicator about timely...

What Your Credit History Says About You

Your credit history is fundamental in determining your future financial goals. Good credit history can help you get jobs, credit cards, apply for loans and even get a house! Bad credit history, however, can prevent you from getting all of these things and more. Having a history of bad credit can lead to increased interest rates and severe roadblocks in moving forward financially. Failure to pay credit card bills on time often increase interest rates, which only makes it harder to pay off the balance on the cards. Credit has a kind of snowball effect, which is why maintaining a...

When Should You Use One Over The Other?

Q: Who are the good guys vs. bad guys in debt counseling?Lot's of companies advertise that they are "non-profit" but are actually non-profit in name only. How can you tell which are legitimate? What's the difference between non-profit and for-profit debt management and when should you use one over the other? Where does bankruptcy fit into all of this? A: -Debt Management- an umbrella name for a large group of debt-environment functions and activities such as debt reduction, consolidation, negotiation, settlement, bankruptcy, credit repair clinics, and even deciphering credit reports. When contacting an agency, find out which functions they...

When You Need No Credit Check Car Loans

No credit check car loans are sometimes the only foreseeable solution to one of life's problems. A mode of transportation can mean everything to some people. To students, commuters, and mothers, having a way to get around is essential. Missing important things - like work or a ball game - because your car broke down is simply unacceptable. It can mean angry bosses, missed deadlines and sulky kids. However, it happens a lot. But what do you do when you need a new vehicle, and you have little cash and no credit? Usually, when you go to get a car...

When You Need To Find Some Money Before Payday Arrives?

Q: no fax payday loans? When you need to find some money before payday arrives? A: - With no fax payday loan, you dont need to worry about having access to a fax machine. Don't wait until creditors are calling and your credit rating is in a fast decline. Pay your bills on time today. Get no fax payday loans now. Try this link: http://civil.case.edu/Members/batva/nfpl.htm ...

When You Need To Fix Credit Report

Sometimes it is necessary for you to fix credit report. Your credit report says a lot about you - and what you can do with your future. If you have horrible credit, you will be severely restricted in what you can own without paying cash. Sometimes, a poor credit report is not even your fault. When you were little and your sister got in trouble, what was the first thing out of her mouth? "He did it!" Well, just like then, you don't want to get blamed for something you didn't do. So if your credit report says something bad...

Where Can I Find Mba Grads Online?

Q: Aside from this board, are there anyone where MBA grads hang out? I'm looking particularly for people who've been in the workforce for some years after completing the program.A:That's true. As an engineer, I've found the corporate MBAs to be "the enemy" during my early career. When I got my MBA, I found that there was some unexpected value in their knowledge pool; the big picture of business operations. Lots of engineers start companies and run them in a manner that appeals to their intellectual pursuits, but this is no way to run a business for profit. While I...

Where Can I Learn Italian Online?

Q: Ever since seeing Puccini's La Boh?me, I've been addicted to opera, but have trouble understanding without subtitles or the libretto present. I was wondering if anyone knew of a website/person that teaches Italian (or German for Wagner, et al.) online, how well it teaches, and, of course, price.A:My advice is to try the college nearest to you. Many offer non-credit language courses. You will find that with a bit of effort, you will be quite successful. America has long suffered from the short-sightedness of people who ecided to make it an "English-only" linguistic society. With French at the north and Spanish...

Where To Buy Prozac

Prozac is considered a great drug for helping people cope with clinically diagnosed depression. While not a cure for depression, Prozac can help people cope with the symptoms that come with depression and help people lead a normal and healthy life. What it does is affect the levels of serotonin in the brain, leveling them out to easy the symptoms that come with depression. Of course to deal with these symptoms, patients have to buy Prozac, as with everything else, things that help you are not free. Therefore it is important to understand your symptoms, get advice from a doctor...

Where To Get My Best Home Equity Loans

Q: where to get my best home equity loans?A: we bought our house 3 months ago [28% down]... now we need cash... as much as possible ....do you know any bank will allow as to take most of our 45k out with reasonable rate? Around here, most cash-out refinances are limited to 70-75% LTV. You may find one at 80%. Similarly, home equity loans generally don't allow you to go over 70-80% total loan amount. can we have 2 equity loans from two different banks, so we can get 12.6k +...

Where To Get Online Unix Sys Admin Associate Degree ?

Q: I'm looking for an online Unix Sys Admin Associate Degree from an accredited college. I have taken some classes at my local colleges expecting there to be some Unix classes but no just Microsoft everything Microsoft. Well 99.9% MS anyhow. I was working as a Unix sys admin back when Bill was president(startup lost funding) and now I'm getting a little tired of my job interviews ending just after they ask me if I went to college.A:You might want to look into grantham.edu I've heard they'll customize their degree programs to a certain extent. They are accredited, and...

Where To Look For Really Bad Credit Loans

Really bad credit loans are hard to find. When you have really bad credit, no one wants to trust you with their money. And who can blame them. Every sane person in America is going to be slow to trust someone who is bad with money with their own. However, they are possible to get. Really bad credit loans can be had online. You can fill out an application on certain websites and get a response via e-mail. You can also get them in traditional manners. However, if a company is willing to let a high-risk candidate take off with...

Which Is Anual Credit Report

Q: I'm a legal US Resident (i've green card) and I have a job with a foreign company - a company in a country that doesn;t have any tax treaty with the US gov. that company pays my salary in a foreign money and i've to pay taxes in that country for social security (for that goverment), etc... I work as a consultant, last year the company sent me to a project in the US. Now I have to pay taxes and I don't know what to do. My income (basically the salary that my employee pays to me...

Which Is Cic Credit Report

Q: I am about to apply for my citizenship soon. I am wondering what is the steps towards checking the residence requirement? Will the government check the credit history, income report, etc? I have been living in and out of Canada here and there. I did not really stay in one place for more than 6 months long, and I never had Canadian income (eating savings, traveling), although I filled income tax everything with Nothing to report. Will that be any problem? Will the government check the details or they will believe what I say in my application. Will...

Who Know About Quick Cash Loan?

Q: quick payday advance cash loans? Who know about quick cash loan? A: - Quick Payday Loans are very easy and quick way to get the cash. Cash are instantly given to the client if requirements are complied immediately. Get quick cash fulfill your requirements. - I recently found out about a source of quick cash loans ( up to $300.), short-term, secured by your paycheck. This payroll advance cost me a whole lot less than cash I was going to get from my credit cards. Credit card cash advances costs 2-3% transaction fee plus 18% on the money and...

Who Needs Credit Counseling?

Credit counseling is a hot job industry right now. Debt help centers, credit counseling centers and other companies aiming to help people in debt are springing up all over the country. The reason is clear: as a nation, we are more in debt than ever. We are not only in debt, but we have achieved such levels of debt - especially personal debt - that we are having trouble paying those debts off. Personal bankruptcy is at an all-time high. Credit counseling services can help people who are struggling with debt but who still have some...

Why Didcredit Card Approve Me

Q: I do not have the best credit. It was one of those mail "hey looook you've been pre-approved" mailings. Honestly, I applied because, "hey, my credit is already shot, and another rejected application won't make it any worse". I got instantly approved for $200, got the account number and all. A final limit is 'pending credit review' I'm not expecting anything more than $500 really if even that. Anyway, some questions: 1) How on earth did I get approved/accepted? 2) If I don't use this card, will it help or hurt to apply for another?A: -The...

Why Do People Use Secured Credit Cards Especially In Am

Q: You have to tie up a minimum deposit, pay an activation charge and high yearly fee to use your own money.Pay late and there is an interest charge for using your money. Even with bad credit you can open a bank account and get a Visa check card where you are in control and there are no bills or fees. The only instance I can think of is someone who bounced so many checks that they can not even get a checking account.A: -I believe these show up on a credit...

Why Is My Credit Score So Low

Q: With the new year upon us I decided I should check my credit score. I was rather surprised that it came back with a score of 587. I thought my credit was pretty decent. I carry no balances on credit cards, have a car paid off, spend only 14% of my income on housing, pay all my bills on time, have 6 months of emergancy fund in a high-interest savings account, etc. What can I do to raise my score?A: Is "potentially negative" like being "somewhat pregnant"? These are huge craters in your...

Why Not Incorporate Online?

More and more business and government processes can be conducted online these days. One of the most important decisions you will have to make about your business is whether to incorporate. If you do, why not file online? Visit your state government's Web site to read about the rules and regulations involved in getting incorporated. If you don't understand the process, get in touch with the name of a person listed there so you can talk to a real human instead of a computer. Take notes while browsing the site so you will know what to ask and save time during...

Why Should My Online Business Accept Credit Cards?

When you go to Amazon.com, you don't sit there and write a check for the newest bestseller. Instead, you pull out the plastic and input your information. Within a few days, a brand new book sits on your front porch. This quick and easy purchasing format is the reason why any online business that wishes to flourish needs to accept credit cards. Just think about it: people are and always have been impulse buyers. It's like being in a store and you have $20 that just has to be spent on a new shirt or CD or whatever. You have the...

Why You Need To Know About Credit Scores

All lenders will look at credit scores to see what sort of risk you make. That means that before you get any financing, insurance or loans, your credit scores will determine what sort of rate or terms you get on a debt or insurance policies. People with credit scores that are low enough may even be denied financing. If you improve your credit score by rooting out any mistakes on your credit report and by taking a few months before your loan to improve your credit rating, you can improve your chances of getting good deals on financing....

Why You Need To Know What A Credit Bureau Is

The credit bureaus give your credit report to certain companies qualified by the Fair Credit Reporting Act to view your credit report. Credit bureaus get your information from companies each month and include this information in your credit report. If you do not pay your credit card, for example, your credit card company may report you to a credit bureau. There are three major credit bureaus: Equifax, Experian and Trans Union. The three bureaus often have different information about the same person, because different companies report to them and give them different reports. To get accurate...

Why You Should Get Your Free Credit Report Today

A free credit report can be a great investment of your time. You can get your free credit report from a number of online companies. If you are going to be making a purchase that requires financing any time soon, one of the first things you should do before rushing out to shop is to get a copy of your free credit report. Your free credit report will reveal your credit score and your credit information. You have a right to view this information at any time and a free credit report is often one of the easiest...

Without Any Strings Attached?

Q: About 6 or 7 years ago, I could get a copy of my credit report for free from TRW without any strings attached. I just wrote them a letter to request one. It seems that the free service is no longer available since TRW sold the business. I know that I can request a copy my credit report if my credit card application gets rejected. But it's very unlikely that my credit card application will be rejected. So, is there a way to get a free credit report without any strings attached? A: -Move to Colorado, Georgia, Maryland,...

Your Credit Behavior Affect Your Credit Score?

Q: Does your income have an affect on your credit score? Or does only your credit behavior affect your credit score? For example: John makes $120,000 a year, has an excellent credit history, and has a score of 820. Gary makes $45,000 a year, has the EXACT same excellent credit history as John. Can Gary get an 820 credit score too? Or will his score be lower because his income is less? A: -If and when a lender wants to consider your income as part of a credit decision, he will ask you to disclose your income on the loan app. -The credit card companies...

Your Credit Report

What exactly is a credit report, you might ask? A credit report is a complete record of all of your credit activities. It contains a list of any credit cards you may hold, loans you may have taken out, how much your monthly payments are and any actions taken against you for any unpaid bills you may have accumulated over the years. Your credit report comes from a consumer reporting agency (CRA). The CRA gathers and sells your credit information to anyone who wants to view it, for example if you were applying for a credit card, the credit card company...

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