I have need of HELP please!! entail to remove charge-off's from credit!!?
Question:
I have several charge-off's on my credit report which own been here 4 years or longer(i know, i messed up 1st year in college). I would similar to to start paying everything off but i want to know even if they are soo long ago can i still negotiate next to the collection agencies to get these items that i will reimburse removed/deleted from my credit report. also i would loike to know if its too late to get a deal near the original creditor.
Answer:
Just a few words of deterrent....Most of these responders don't have a clue.
Before you instigate trying to "fix" your credit, here are some things you need to know.
1) Paying a bill does NOT catch the negative information removed from your credit reports. It will very soon show "paid" but all derogatory info such as charge off's, negotiate settlements, late payments and collections will still be near. So all you are doing is tossing money away, and it's not fixing your credit.
2) One factor of your credit evaluation is credit history, and recent transaction history. Accounts that have a recent history play a more considerable role then elder debts.....so therefore ripened unpaid debts lose importance as time go buy. When you pay rotten a debt that is over 4 years antediluvian, you now transfer the status as a recent account. This will in reality HURT your credit score more after improve it. I bet the collection agents never transmit you that!
3) Debts will automatically drop off your credit report after 7 years, from the date of the delinquency. Therefore, if you hold a debt nearing that age, it's silly to pay it bad. Leave it alone!
4) The Statute of limitations on debts runs out after a certain spell of time. SOL is the legal time frame a creditor have to sue you. It varies from state to state, but averages from 4-6 years. Therefore, after the SOL expires, the creditor have no legal method to collect form you. If you plan to negotiate with the creditor, use this reality to your advantage!
5) According to the Fair Credit Reporting Act, and the Fair Debt Collections Act, no debt can be posted to your credit history unless they can "validate" the debt. They must prove you own a legal prerequisite to pay what they claim you owe! By statute, you can file a dispute the the credit burear, and they must investigate the item. If the creditor fail to respond to a credit bureau investigation, the report must be deleted from your paperwork.
Therefore, to answer your question:
Yes, you can negotiate next to the original creditor. But after 4 years they may own sold the debt to a collection agent, who now technically "owns" your debt. Keep surrounded by mind that you have no official requirement to even talk to a collection agent. Your contract is beside the original creditor! The creditor have an agreement with the collection agent to collect the debt, but you hold no obligation to even converse to them. This FACT is even stated in the Fair Debt Collections Act.
You can try to negotiate a settlement. But remember the points I freshly mentioned. If you pay the debt and they do not delete the item from your credit report, it can in actuality hurt your credit score. Therefore, it's extremely far-reaching that you get an agreement, IN WRITING that they will delete the entry once you hold paid the debt.
Yes this is endorsed. Many creditors will tell you it's against the ruling, or it's against the user agreement they have next to the credit bureau. Trust me, I've read both. I had asked CA's to point out exactly where on earth it states they can't do it, and they never produce anything. Why? Because they can't! It's not there!
The use they will not do it is so they can continue to punish you for not paying your debt, plain and simple.
So in a minute that you have some facts, proceed alertly. Understand that no matter what you do, nearby is no instant fix to improving your credit. It's going to clutch several months.
Before you even start, you MUST understand the regulation. Read the FCRA and the FDCA laws, available at the FTC senate website.
1) ALWAYS start by disputing the item with the credit bureau. Many creditors will any not want to take the time to force out for the records, or will not even enjoy them any longer. They will not respond to the investigation, and the negative item will be delete. Problem solved!
2) Don't even consider paying debts older after 6 years old.
3) Don't salary any debt if the creditor will not clean it from your chronicles.
4) Don't pay more consequently 50% of the balance on debts that enjoy expired and are over the SOL.
5) Don't pay more consequently 30% on the rest of the debts.
6) Concentrate on the most recent debts first. Remember that older debts will become "recent" the second you sort a payment.
Good luck, hope this help.
Try a consumer credit counseling agency. They can usually negotiate with the creditors or even the collections citizens to help you catch out of debt at a reduced rate. They will consolidate all of your debt into a lump sum allowance and will give you a specific date you will be out of debt (provided you do not incur any untried debt).
Derogatory trade lines remain on your credit report for seven years.
Most likely your charge-offs are bygone Statute of Limitation (SOL). Although you may feel that you own a moral obligation to money your debts, you have no allowed obligation to do so after the SOL have past. (It could be as little as three years within some states and as many as 15 within others depending on the type of debt.
Your debts have probably be purchased by a Junk Debt Buyer for pennies on the dollar. As for settlements, the ball is contained by your court. If you offer them a fraction of the productive debt they will more often than not adopt it.
To check your State's SOL check the link below
http://creditinfocenter.com/rebuild/stat...
You should only just pay the debt. A zilch balance or a showing of rewarded charge off side is better than trying to go through a credit counseling agency.And it is true adjectives bad debts will remain on your credit for seven years. Some companies will tender a settlement on payment,so try and see if the artistic creditor will work with you on repayment.
dance to www.adviceontime.com they have some moral articles as to how to remove your bad results from your credit file.
Accept you still hold a chance to sort out the event by negotiating next to the actual lender or the collection agency responsible for your account.
Bargain for a lump-sum settlement next to the creditor or collection agency. Aim to pay 50% or smaller amount, and ask the charge-off to be erased from your credit report as a pre-condition to the settlement. Many lenders will not accept it, but still receive an attempt. If they accept, ensure they will update your credit report to report your prospective creditors that the issue has be sorted out.
If you fail to cut a agreement with the collection agency responsible for handling your justification, wait till it is hand over to another agency. Ultimately it will be handed over or sold to an supervision with whom you can contract to sort out the matter.
Does paying your coup¨¦ contribution a month or two within finance formulate your credit ranking step up more than average?
Question:
Answer:
Not really. Your total debt will be lower, but that doesn't mean much since it is a secured loan.
If you hold unsecured debt like a credit card, paying that will enjoy more impact on your credit score. If you enjoy no credit card debt, you would be better off putting that money within the bank to use for an emergency.
no
no. rate it on time. paying everything ontime is the solitary way to build credit.
The creditors approaching the payments to be made AS AGREED since they don't get the interest that is to say expected from the loan if its paid precipitate. It wont help your evaluation and it won't hurt it either but may shade it adequate to increase the interest rate on your next loan if your chalk up isn't already very greatly good.
It will not concern to your credit score. You can find out more just about how to improve your credit win at http://www.myfico.com.
Car payments, like a mortgage, are usually front back loaded with interest. This mode that in the formation you are paying lots of interest and just a touch towards principal. As you near the wrap up of your loan you will be paying more towards principal than in the inauguration, even though your payments are the same.
Paying surrounded by advance can be tricky because a wall doesn't always certificate it as an advance stipend but instead as an additional clearing in the month your transmittal is due. Therefore, don't assume that just because you devise you are 2 months ahead (say, through June) that you can not make a pay in the subsequent few months. This would seriously hurt your credit score for several years.
I am surrounded by the auto finance business and the answer is no. It will lower your outstanding go together but will not effect your score.
Best Credit Union for Car Loan?
Question:
What Credit Union should I sign up for to receive a low APR car loan?
Answer:
Most any credit grouping will work. You'll probably be better off if you find a larger one surrounded by your area, because they'll probably own more branches that are convenient to where you live or work.
If you gain a car, DON'T buy the most expensive one you can afford. Get a cheaper one that's surrounded by good condition. Have it checked by a mechanic you trust, and set up the payments so that you can payment it off within a short time. If you hold to finance it for 4 years, it costs too much. Shoot for something you can retribution for in 1 or 2 years at the exceedingly most. The reason is that if that vehicle dies, and you still have 2 years of payments not here, you STILL HAVE TO MAKE THE PAYMENTS. By making the loan period shorter, you're reducing that risk. Yeah, you won't gain the coolest newest article on wheels, but you'll build your credit rating. And surrounded by the long run, that's big-time important.
Don't forget other expenses along the approach, like insurance, registration, gas, grease changes, repairs, etc. If you have a loan against it, the credit association will require full coverage for the insurance. If you're a new driver, that might cost you more than the vehicle payment.
Thay are adjectives good.
My counsel, don't get a loan. PAY IN CASH! If you can't afford it, don't buy it. I've be caught up within car loans since I be 19, once you go contained by debt you pretty much never get out. Buy a clunker for a couple of hundred dollars. Be smart though and create sure that it runs and it will continue to run lacking dumping a ton of money into it. Also, don't be an impulse buyer. That'll bring you into big trouble. Remember, pay surrounded by cash! They don't detail you these things in natural life, and if they do, you'll sure wish you listen.
The credit union I belong to give a discount for being a partaker, having direct deposit, and setting up autopay... up to 1% bad. Centris Federal Credit Union.
How will i gain rewarded using paypal?will it stir to my dune or somewhere else?
Question:
I have some blue apbt puppies for public sale at pet classifieds and I don't know how to use the paypal method.I have never used it back and I don't know how the payment arrives and where on earth it arrives.I have hear of it but,just hold never used it.I would appreciate any info that anyone has for me on this subject.
Answer:
You enjoy several choices on how you can get your money:
- by Paypal debit card
- by check (available just to certain countries and have a fee)
- in your ridge account through electronic fund verbs, in which suitcase you need to confer your bank rationalization number and routing number to Paypal
https://www.paypal.com/helpcenter/main.j...
You do have a Premier PayPal sketch, right?
You will be notified by e-mail when a donation arrives. The money will sit in your PayPal information until you withdraw it. The responder above give the link for doing so.
In a financial sense do you presume this is overrated........ see below?
Question:
I got out of debt when I get severance pay but my problems did not stop at hand everyone thinks when a couple get out of debt that you are home free and no more problems. And Ms. Orman seems to promote this.
I compensated of my debts went away on break and brought a bed.
That is where my severance pay envelope went and I hold been debt free since 2005.
BUT yes I get out of debt HOWEVER my rent went up $500.00 gas prices go through the roof and food was so expensive we be limited to single certain foods due to the cost.
So yes I get out of debt but I was not money free because when the debt be cancelled What I would have used for stash, extras, vacations, possible adopt a child (which we did not do) go toward everything else that kept going up there is alway something that take your money. So no matter what we did or how frozen we tried we could never win.
Do you think that finacial guarantee and getting out of debt is overrated?
Answer:
I'm probably going to get barred from Yahoo for answering this since Suze Orman seems to be their favorite financial analyst. Personally, her hypocrisy make me ill. The few times I've found myself watching her screech at people roughly spending money on her TV show seem to be completely contrary to the interviews where on earth she says how much she loves shopping and spending money. I could rant for hours, but I'll spare you.
There really is no right answer to spend/save. Some ancestors might be happy on bread and hose while others want Dom Perignon and Caviar. It's a personal and emotional declaration that you have to surface comfortable with, much close to a woman's right to choose, 2nd Amendment Rights, and the separation of church and state. It's just more glibly disguised by "experts" with charts, numbers, and logic that most ethnic group don't understand.
Many financial gurus will argue that leasing cars is impossible because you "own nothing." However, at the finishing of the term, you are departed with like peas in a pod thing any way. You hold an asset worth significantly less than the purchase price. The just difference is that when leasing you only salaried the depreciation instead of funneling extra money out of your pocket to build some sort of "car equity."
Many folks will also argue that owning your home outright is the goal you should strive toward. However, why would a sane creature give up their lone major tariff deduction when instead they could invest that extra equity into their retirement reason and easily construct fivefold the difference between the interest paid over 30 years and the appreciation of the stocks?
Personally, I perceive that financial security is a myth, purely ask Dennis Kozlowski who went from top rewarded CEO to a prison cell. Wealth is cyclical and the free market discount has a wonderful track of redistributing that comfortable circumstances. Many new fortunes be made, and many be lost on both October 19, 1987 and October 24th, 1929.
What is really important to me intuitively is balance. I'm okay beside having some debts as long as I'm not living my energy solely to service those debts. Debt is a natural sector of economics. However, it is important to read the difference between good debt and unpromising debt, and to maintain some moderation.
It's seems to me that you answered your own ask. You don't seem relieved with the debt free vivacity you are currently living. Perhaps, it's just not contained by line next to your own personal values.
No I don't think it is over rate as you state you are out of debt and still scrping by, think how discouraging off you would be if you be stil in debt and have thoes bills come in respectively month.
Getting out of debt is not overrated. Living beyond your means is, however. And that's what you are doing.
If you can't afford your rent, food, utilities, and other necessities you any have to downgrade your expectations (do you really necessitate a fancy apt with a pool and clubhouse when a cheaper apt fits the bill in recent times fine?, or do you really need to chomp through out 3 nights a week when it's cheaper to cook dinner at home?) or return with another job/better paying job.
Those are your merely two options, unless you plan on conquering the lottery or getting someone else to kick contained by for your daily living expenses.
Live in your means! The stress from anyone in debt is bound to shorten your natural life expectancy!
debt free is the way to be. House included. Id fairly pay the rates on the interest on the home loan that i saved by paying it stale than the interest itself. It's cheaper.
What is process when using a credit card online? Help!?
Question:
Ordered item online.
When at payment fragment said address didn't match billing address and be declined.
However credit card company voice it was authorised.
No directive showing on website.
website business not open till overdue tomorrow.
Does the sale get hold of authorised for payment and after the merchant/seller can choose to accept or decline expenditure?
Or does it just be in motion straight out of my account into the merchant?
Answer:
Don't frenzy.
The card was authorized because you are not over your decrease. BUT responsible sellers (like the one you tried to buy off) will as a rule only supply if the direct address matches the credit card address -- otherwise it could be fraud. You should find that no charge have been made and no product will be supplied. Authorisation does not intimate that a charge as been made against the card, a short time ago that the card was chargeable.
This is a collateral measure and to execute an direct you should either ask for labour to your registered card address -- or use a different card that relates to the address you want deliery to.
Usually it is authorised and then on despatch of the stock the amount is debited from your statement. As regards choosing to supply if brass leaves your account i.e. a binding contract to supply but if it is not then i believe they can exercise the chance not to supply.It all depends on jargon and conditions printed on the web page. There is a possibility that the amount may stay authorised for 7 to 10 days on your card but at the shutting if no claim is made then the authorisation expires and the money is available again
Small steps resembling paying your bills on time and using singular part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflect in your credit story. More tips available at http://www.acreditlibrary.com/buildcredi...
I am looking at this credit proposal. How does APR work?
Question:
it says 23.75 percent Annual Percentage Rate for purchases. How does that work? Can someone hand over me an example. I'm decent at math so I only just need an example.
Answer:
Very simply, bring whatever be a foil for you have, multiply it by .2375 consequently divide by 12 to come up with your answer. Banks do it on on a daily basis average balances, so it's single an estimate.
So, if you owed $100, you'd pay $23.75 within interest if you held that balance for 12 months. $1.98 per month.
And if that's on purchases, description anything you buy, watch out for the rates on any change withdrawals, it's feasible to be close to 30%.
And banks will ALWAYS apply your payments against the lowest-rate balance first. Always.
The APR is the annual percentage rate. This is an amount that the card company charges for their service. If you carry a symmetry of, lets kind it easy, $100....they charge you 23.75%. This funds instead of you paying back the $100 you immediately owe them $123.75 plus any other charges they add to the card. 23.75% is a high-ranking ARP. If you are thinking about getting a card you might want to shop around for a lower APR. Hope this help.
Small steps like paying your bills in good time and using only module of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected surrounded by your credit record. More tips available at http://www.acreditlibrary.com/buildcredi...
Need backing?
Question:
my credit score be 711 on transunion last month this month i check it and it drop to 635 but the with the sole purpose change on my profile is of late a new inquiry i enjoy 90% of avaliable credit and i have no deferred payments for the last 2 years. why did it drop so much if everything is one and the same on my credit profily for the last year, i singular owe about $900 and my avaliable credit is $8000.
Answer:
Where are you getting your win from? If it's from anywhere but myFico, that could be the problem.
Check to see if everything looks normal on your reports. Don't use the tri-merge reports since they are across the world as incomplete or inaccurate as the score they offer.
If you use the score from tri-merge reports or other sources than myFico - then those score are generally vague and often fluctuate for no use at all.
I use True Credit (which is a Trans Union product) to hold on to an eye on things and the scores not often match my myFico score and they always kick around for no reason. I can see a huge drop sooner or later, for no reason, later two days later it will ricochet past where on earth it was to commence with.
Tri-merge reports are accurate to keep your eye on your reports - but mostly worthless to get a completely accurate picture of your reports and should never be used when making a dispute to the CRA's.
Wow you hold some awesome credit.
Why did your score turn down? Well, did you apply for more credit? Everytime someone checks your credit report your score go down. Why? I have no conception. Its just the agency they do it.
Or another possibiltiy is that if you cancelled a credit card. If I don't need one, I will call off it. that will lower your score too.
If someone have roughly $600-700 dollars surrounded by credit card minimum monthly payments......?
Question:
Without knowing what the interest rate is, what would be an estimate of how much credit card debt they had?
Answer:
2-3% is a adjectives minimum payment, so 30-40k might be a biddable estimate, but that could depend on a number of factor.
An OMG amount !
On a credit card? Tens of thousands of dollars, like satisfactory to buy a nice car, I don`t know a small house.
Cards vary comparatively a bit. Could be as low as $20K (unlikely to be less), as high as $35K.
Probably around 20k or more depends on the intrest rate!
he must be have atleast 20000$ in debt
Hotel reservation?
Question:
I have no credit/debit card, but I would close to to make a reservation for a Ramada Inn hotel within New Jersey. Does anyone have any suggestions or know of the Ramada Inn's reservation policies? I could possibly use a parent's credit card to construct the reservation, but I would not be able to provide the credit card at check-in/check-out. Does anyone know if the Ramada Inn accept cash at check-in? Thanks surrounded by advance.
Answer:
Use your parent's card for the reservation hold and after pay change when you get at hand. There is no requirement to use the same credit card for expense that you used to hold the room.
Remember that if you don't cancel the room up to that time a certain time (as outlined surrounded by the specific hotel's policies) you will be charged for that room and the charge will go on that credit card.
Do you enjoy a Visa/MC debit card linked to your checking description that you could use instead? If so, just know that the hotel will probably place a "hold" on a unmistaken amount of money over and above the room price (for incidentals) and then you would not own access to that amount of cash. You might ask the hotel nearly it directly.
Usually a credit card or debit card is required to reserve a room so the hotel has some information on how to find the individual if they don't show up. I would call the hotel directly and explain the situation and see if they will reserve a room lacking a credit card number.
If you want to make the reservation online you can do so below.
Call their reservation file and ask.
It is ILLEGAL not to accept currency for payment of debts, public or private. What did general public do before credit cards where on earth invented?
Call and ask them.
List and explain 3 factor used to determine whether or not you qualify for a credit card?
Question:
Answer:
Income - How much you currently earn and whether or not you can pay them rear legs.
Past credit history - How you handled your finances earlier.
Work history - Can you keep a undertaking? Or are you a high-risk.
Your credit score
Your debt/burden ratio
How long you own lived at your current address
You could also throw in how long you own been at your current place of employment.
Your FICO gain, as determined by the Fair Issacs Corp. Find out more at: http://www.myfico.com.
Your FICO score (aka credit score) is compromised of a list of all of your credit for times gone by 7-10 years.
One important factor is the amount of begin credit you have and the amount that you are using. For example, if you hold a credit card with a $1000 time limit, your balance should NEVER be over $300 unless you want to start dinging your credit gain.
Another important factor is the grant history. "Slow pays" are people that hold one or more 30+ day payments on their history, as reported by the lender. Paying your bills on time every month is critical to maintain a good credit chalk up.
A third important factor contained by determining your credit score is all along time you've had credit (aka credit history). Don't spread out and close accounts willy-nilly. Keep your oldest account start forever and watch your chalk up rise.
Small steps like paying your bills on the dot and using only fragment of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected contained by your credit record. More tips available at http://www.acreditlibrary.com/buildcredi...
Your credit rack up
Your Income
Your assets
i dont even know i have one and i am 14 but u know my parents purloin care of it
Is within a difficult 'tier' for Littlewoods customers that spend loads of money?
Question:
I vaguely remember human being told that customers that spend over lb900 per year with them get hold of exclusive discounts on products and get clean publications first etc - Does this exist?
Answer:
yes there is a club call i think "privilege.I get a mailing from Littlewoods roughly it a few months ago inviting me to be a member.
Ring Littlewoods and they should know how to tell you.
i really don't ruminate so that amount isn't a great lot really and i spent that much when buying a piece of furniture#
Can a music club or dvd club resembling bmg put something on my credit minus have my soch #?
Question:
I owe BMG $30.00 and I planned on paying them it was one of those little bills that lately slip your mind. but the collector is so rude i ennded telling him to kiss it. I will repay but he threatened he was putting it on my credit but i never give them soch number can they do that?
Answer:
Yes they can.
How long have you owed them?
10 Years ago I signed up next to Columbia House. They sent me my CD's but I never paid them. They hold inhouse collections. They will keep my bill at within house collections because it is only 70$.
Collection companies buy your debt for track less and after try to collect the whole or as much as they can.
Check your bill
Was it from BMG or a collections agency?
If it be from BMG - don't worry just about paying it you are probably okay.
If it is from a collections agency - pay it. Once it go to collections it is already on your credit report. -Keep your receipt so that soon when you go to catch a mortgage and they look at your credit - you will have the delivery showing payment.
Honestly though for 30 bucks it probably hasn't go to collections. If they phone you again - say that you died. - They will stop bugging you.
Another item - anything that has be on your credit report for 7 years or more automatically gets erased.
Yes, they can. Pay the bill. And I agree, bill collectors ARE rude!
It's be awhile, but back within the late 90s I combined BMG. I don't know if it is still the same, but it used to be that you could use any entitle you wanted (and believe me I did not use my own). I don't see how it would be possible for them to put it on anyone's credit if they can't prove who that entity is.
Why do you obtain more credit card offer when your credit evaluation is low than when it is big?
Question:
I receive more credit card mail a month after my credit win drops than when it is high. It's be low for a while and I have received dozens more correspondence than I have ever past. When it goes up I will see if it slows down and report stern.
Answer:
Unfortunately, many credit card companies "prey" on family with less-than-perfect credit.
CC companies don't really trade name a lot of money bad of people who deal with their cards responsibly, pay past its sell-by date their balances summarily, pay in good time and never overdraw their accounts. Nor do they make money rotten of those who open credit, charge it and next let it be in motion to collections w/o a second thought. No. They make money stale of people who *sometimes* formulate bad credit decision. They don't go for the society who are deadbeats - those with tons of collections on their accounts. They've proved that they are not to be trusted. The CC companies travel for people who fall down behind and try really thorny to catch up - citizens who have be delinquent in times past, but ususally show good religious conviction of paying what they owe. Those are the people who will recompense the late fees and over-the-limit fees. They cc companies can assert charging this customer a higher interest rate b/c of those issues. That's how they put together their money...off of honest, thorough people who enjoy stumbled in the recent past. Sad but true!
cuz they know you will use the cards,, like offering a recovering alcoholic a drink
They are hoping you will want to use them contained by order to get hold of your score up. Usually they come near a super high interest rate after the initial time of year.
Because credit card companies pray on people near bad credit. That is where on earth they make the most money and let's frontage it, that's what their business is all in the order of.
Typically people next to scores contained by the 600-680 range take the most offers. Score is low adequate that you may be using credit cards to build your score, but large enough that you are not looked at as a leading risk.
These are are the worst of the worst when it comes to credit cards.
They typically target those people who are trying unyielding to raise their credit score or rebuilding their credit after bankruptcy, etc.
They are hoping you will sign up and income the outrageous annual, processing and application fees. Once you sign up they will hit you with a monthly devotion fee.
Avoid these cards at adjectives costs.
Good luck
Does it affect your credit rating if you salary sour your credit card and close the report?
Question:
Answer:
DO NTO COSE THE ACCOUNTS. This will hurt your score.
Just verbs charging very small amounts on them (less than 10.00) take-home pay them off contained by full every month instead. Good luck.
no it will help your credit by showing your a apposite payer unless you have missed plentifully of payments which will still go against you.
hope this help:)
Nope. As long as you're paid rotten it won't be a problem.
Slightly... because it limits the amount of credit history you own. And it also lowers your overall credit line.
Odds are it would not impact you majorly. But it is possible your evaluation could temporarily drop a few pts.
Yes because you get a highly developed rating if you have an busy credit card.
If you close an account that you've have for a while it will reduce all along your credit history thus reducing you score. Best to maintain the account amenable and use it and pay it past its sell-by date every month. Also it is important to save balances no better than 15% of the credit limit. Pay more than the minimum due in good time all the time.
The take-home pay off slice is good, the closing the accounts is doomed to failure. They look at the number of recent closed accounts that you have.....