Has anyone ever seen a "perfect" credit score i.e. max score?
Answers: I work in the credit industry and have never seen a "perfect Score".
The highest I've seen is 838 if I remember correctly. Are you ready for the kicker?
This lady had 1 single tradeline. A zales card!
It made me question the whole scoring system. Granted it was 10 years old, pretty high limit and no balance, but still a little surprising.
I built statistical models for a number of years. Getting to the edges of the scores high or low are very difficult.
I would think in the scaling, FICO or any other developer wouldn't let it happen since that would suggest perfect credit and therefore no risk.
We all know there is no such thing as no risk.
I watched a Suze Orman show recently.and even she was in the 800's but nowhere near 850.
How do I know when I've be remunerated on Amazon.com?
Will I notice a silver in my dune account or what? I've sold three things already, and own them all arranged to ship, but I'm not sure how/if I've been remunerated or not. How do I check?Answers: You will see a deposit in your ridge account and also it will show as a Dutch auction on your account profile on their website.
What is the difference between debt consolidation & debt counseling & anything else of ths sort & whch is best
Starting off w/Christmas gifts one year, after having to move & need money to do that & money to buy things needed, then buying things I needed for my & my mother's strength, etc...is how it started & has since escalated. I started getting credit card & at first, payments weren't so bleak. I started buying groceries w/the CC's, when we were low on money & presently it's all crept up on me. "Introductory offers" are very soon expiring & the "no payment for 90 days" offer are up. So now my payments are doubling! I thought my income import tax could help, but I discovered my employment had be taking out the wrong # of exemptions on me ALL year, so I'm not getting but a couple hundred dollars back (I have 2 chng jobs, making smaller number money, never had a problem b4 & honestly, never looked (a) check stubs 2 discern earlier). So I chngd my W4, nw my chks r gng 2 be even LESS! HELP! I need 2 do something. What route is BEST? & how can I find the Best facilitate, for which ever option is best? Thanks!Answers: First of adjectives, I would like to correct the notion that credit counseling/debt nouns is as bad as a liquidation. It's not. It does show on your credit file while you are going through the program (typically 5 years) but at the extension of the program not only does it leak off your credit folder but you are unsecured debt free. And while on the program you will not be allowed to open hot credit cards and you will typically have to close adjectives but one card for emergencies because the unharmed point is to keep you from going farther into debt.
It's better than liquidation, it better than settling, and it's much better than going delinquent.
You want to make sure whoever you work near is a non-profit agency. Stay away from the commercials you see on TV.
Four good places to start are NovaDebt (http://www.novadebt.org/), GreenPath Debt Solutions (http://www.greenpath.com/), Take Charge America (http://www.takechargeamerica.org/Pages/d... and CCCS (http://www.cccs-inc.org/).
Good luck within whatever you choose to do. You're contained by a hard place, but at hand are people who can backing you.
debt consolidation is where a company will contact your creditors and set up lower monthly expenditure plans to get your debt salaried off within a short amount of time..what they want you to believe is that it will not show a negative effect on your credit but it surely does, it's in recent times as bad as a liquidation i worked for a consolidation company at one time in college and thats a moment ago false information..credit counseling is where you walk to sit and basically chitchat to a financial advisor/counselor and they explain different options. and how not to get hold of into debt, saving money etc etc. try paying an extra 5-10 dollars a month on cards if you can or I don`t know your best bet is if you can go apply for a loan at a credit alliance to pay sour the debts and just cause one payment jto the credit association...good luck..
i would approaching to say it does show on your credit up to 10 years...most of these debt consolidation companies influence they are non-profit but are not..if you see one that is associated beside the BBB..read up on their file, it will relate you if the company has have problems or not...if anything go return with a free consult from an attorney and they can tell you how debt consolidators work thouroughlly...approaching i said i used to work for one in college and they are not adjectives what they present themselves to be.
alot of these companies have and are one investigated for claiming to be non-profit which alot are not.
Not a good place to be, but don't madness.
First: Make a budget, you need to know where on earth you realistically stand.
Second: Prioritize your credit cards from Highest interest, to lowest. Obviously you need to carry the highest one remunerated off, and past its sell-by date your back.
I would form the minimum payments on all cards except the chief interest card. Focus every penny to that one...once its paid rotten, move down to the next one.
Careful: Consumer Credit Counseling ruins your credit. It reports as such and is almost view as badly as a BK (almost)
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