Best style to build my credit?
Question:
Ok i am 20 years old, and hold had a credit card for approaching 7 months, they gave me a $500 impede, but after holding the card for like 4 months, they give me a $1000 limit,
I lone put about $280 a month on the card, and I use it for gas and small purchases. i wage the whole two hundred or doesn`t matter what I spend for that month in full past my due date? is this good, or should I consent to it build to like $500 in the past paying it in full?
Answers:
You are doing everything right.
To build the best credit score/profile you will involve 3 credit card accounts (revolving) with balance below 30% of your credit limit and 2 autos, homes, boats, furniture or personal accounts (installment) adjectives with appropriate long payment historys.
Your credit score is made up of the following factors;
1. Payment history 35%
2. Time within bureau 15%
3. Types of credit 10%
4. New credit 10%
5. Debt to credit ratio 30%
As you can see 1,2&5 are the most imnportant as far as score is concerned, but mark is not everything.
I look at credit everyday and see people every month next to 700 scores that can not buy a coup¨¦ because their score is made up of 1 credit card near a $500.00 limit compensated 15-times and a couple of student loans.
While this produces a great score, it doe's not show the flair or the willingness to in actuality pay anybody.
A right credit score/profile takes years to establish and lone a couple of months to trash.
What you are doing is perfect. On your credit report, it will show that you not with the sole purpose paid on the dot, every time, but you also paid surrounded by full. This will help build your credit up. Just save up what you are doing, and try not to get surrounded by over your head, and you will enjoy the perfect chalk up in no time.
1. Use the credit card solitary when absolutely essential. Pay your regular expenses by currency or a debit card. This will help you budget and not walk overboard with credit card debt.
2. Follow repayment schedule like religion. Don't miss out and invite past due payment fees, increased APR rates and blocked reward programs.
3. Don't stick to the monthly minimum pocket money. Pay the maximum you can afford and get that outstanding debt cleared as speedily as possible. By just paying the monthly minimum the credit card companies reap the maximum rewards while, as a consumer you payment the maximum interest.
4. Get rid of multiple credit cards. Although this might sound difficult, but if you are struggling to repay prompt and, juggling beside the repayment dates is cause you to default- it's time to think. If in attendance is a genuine obligation to keep multiple credit cards, later try to automate their monthly payments. This will ensure that you don't default unwillingly and frontage the negative consequences. Read more from: http://www.credit-card-gallery.com/artic...
My finacial advicer say purchase in this lay down:
1. Credit card
2. Car
3. House
Hi.
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What is the best method to make a purchase of credit win; on stripe or via writing?
Question:
concerned ssn will go into a facts back to be sold to others. would similar to to avoid that
Answers:
The US Government has mandate that the three major credit bureaus grant the service to everyone in the United States once respectively year. The name of this site is www.annualcreditreport.com.
Since it is governing body mandated it requires a full host of hoops to jump through. You do not truly get your credit score, and it can take 7-10 days to receive the information. All contained by all not thoroughly consumer friendly. Guess that is what happen when a big company is required to do something they do not want to do.
Here is how I got my Credit Report and Score from adjectives 3 bureaus for free.
I went to http://faqfaq.net/freecreditreport.html... and signed up for their service.
It took similar to 3 minutes! They give you 7 Days for Free to try the service.
So I only just canceled the next afternoon after printing out everything I needed.
Easy and Free.
Either way your social protection number is going to get enter into the same system any online or if you mail contained by your request. It is a lot quicker to capture your credit score online and to dispute any issues as ably. I do it every year and have never have an issue with solicitiation from other agencys.
Has anyone have money transferred from another country OR transferred money to another country?
Question:
I'm having some money transferred to my justification here in Brazil from Egypt,but it's be 20 days and nothing however,does anyone know if that's normal or in attendance is something wrong?
They are 2 different banks by the style.
Answers:
I've wired money from my bank here within the US to my parents bank depiction in another country 3 times. The first time, it took 2 days. The second time, it took 1 light of day. The third time was only a week ago... the money has not reach its destination yet. I call my bank, and they said that "technically, it can lug up to 30 days."
Why don't you ask your bank to initiate a "tracer"? That's what my wall said they could do if the funds don't post within 30 days. Of course there's a $45 allowance to have this done (at my ridge anyway), so hopefully the money shows up soon.
Used Paypal, transfered from Germany to US, took only 2 days. No problems, would do it again.
Can I capture rid of my credit card I've have the longest(high interest/anual fee)will it mess up my credit rack up?
Question:
I have 2 other c.c. next to 0% interest and no anual fees.I want to get rid of this ridiculous c.c. near an anual fee.
Answers:
so_countygal's answer is fail-safe.why is everyone overlooking the obvious?
Call the credit card company and ask them to remove the annual duty. The interest rate isn't important because you are not going to use it anyway, but you don't want to lose the column item from your credit.
If they won't remove the fee next cancel it. True, your credit rack up will take a minor hit, but over the subsequent few months it will recover. The trade-off is you won't be paying those fees any more.
This is the one and only time I ever recommend canceling a credit card.
Cancel it! (Any debt you have remaining is as expected still owed on that card.) Did I mention to cancel it? Then cut up the card.
Call up and reverse the card.
Cut up the card and throw it away.
Everyone is very emotionally attached to their first card.
They may procure rid of all the other cards but hold on to their first card because they perceive it a rite of passage into womanhood.
Be Strong. Do It Now.
Unless you cancel adjectives your cards and then apply for a bunch of unmarked ones, there will be enormously little if any negative impact on your credit gain.
Of course you can with no repercussions.
Indeed, you should endeavor to live debt-free.
Credit card companies do doesn`t matter what they please. That credit nonsense can affect areas of your life span that have nil to do with credit.
Your elected representatives protects this nonsense.
They will own you eventually.
If you enjoy good credit overall, it won't affect it too much. Because of the annual payment, I would cancel it. You might consider hole one or two additional cards, use them for a month or so, freshly to activate them, pay packet them off and cut them up. Leaving a long standing explanation shows that you are reliable long-term. You should have that type of dependability built up near a long term hill account or even your cell phone/cable/electric company. You are entitled to a free credit report every year. You can look at it to spawn sure it is accurate and also see which companies you use regularly are reporting your activity.
Remember that beside the 0% there is usually a minimum payoff requirement and/or strict guidelines. If you are even one day delayed, your interest rate will be outrageous in accumulation to extra fees and sometimes they even charge you past interest so variety sure you make those payments prompt to keep the 0% interest.
Have you considered calling the creditor and requesting a lower interest rate and removal of the annual payment as you have be a long standing (and assuming in correct standing) customer? Or if you call them to support that you are cancelling and explain why, they will normally reduce their fees and rates.
Credit score are determined by many factor, including number of open tradelines (credit accounts) and available credit in the accounts. If you can get the company to waive the annual tax, you may want to consider leaving the explanation open and not utilizing it for awhile (or use it for small purchases every couple of months and payoff immediately) to say the score. While you do not want to own excessive open tradelines, you also want to show potential lenders that you can effectively be in charge of your credit and money.
For future credit, hang on to in mind that Mortgage Lenders recurrently require a certain number of unseal, active tradelines for material estate loan transactions.
This is what I would personally do.
You really have need of to keep at smallest 4 lines of credit open...even if you don't use them.this is in fact a requirement on the majority of home loans.
While that credit card is still on your report, and benefitting you, I would take the "hits" surrounded by one month.
Apply for two other cards to get your total of accounts up to 4. You should enjoy no trouble getting approved. As soon as you get the cards, afterwards call support and cancel the one that have the high annual payment.
If you have not applied for credit within the last 12 months, afterwards applying for two other cards probably won't "ding" your score at adjectives.
Having "TOO" much Credit?
Question:
Ok.
So I was told at the tcar lot today that I hold too much credit and can't get a saloon.
I pay every single bill in good time and have mulitple credit cards that i take-home pay on time.
my credit evaluation is almost 700.
sp they said i have "too much credit"
should i move about to another car lot and capture a second opinion?
Answers:
Credit is not a murderer. Being irresponsible is. There is nothing inherently wrong next to 'credit'. You just hold to be smart with your finances.
yes that sounds similar to crap.
You could do that, or you could look at your credit report. I like have my car loan through my credit confederation. Their rates are a lot smaller quantity than through the dealership, too. So you could apply there and see what they say-so. Then they could help you beside financing when you find the car of your dreams.
They may be looking at adjectives the credit limits as "potential" debt and are worried that you'll run crazy and jack up your cards and default on the vehicle loan. Did you speak to the finance relatives at the car lot or only the salesman?
The problem more than likely lies beside how much debt you have outstanding. Lenders look for brass flow and percentage of debt to your income, as well as the determination if you are a credit risk. Your chalk up may be sufficient, but excessive credit usage or recent debt (newer accounts) can render you a credit risk.
If you hold multiple credit cards with balance, you may need to consider paying them down or past its sell-by date prior to returning to the car lots. I would tender the Finance Manager a call and ask them exactly how much debt you are qualified for on a monthly idea and go from nearby.
i am finding that odd near a score of 700 shop around i know that sounds bull, they are looking at your DTI too much, but next to a 700 credit score that DTI dose not enjoy as much influence. One thing lenders are tightening up making it much harder to find financing. Try a credit union.
EVERYONE, PLEASE.
STOP USING CREDIT.
ENDEAVOR TO LIVE DEBT-FREE.
CREDIT IS A KILLER.
Well, yes and no.
Your credit mark may be high, but that isn't the just determining factor in getting you a loan.
They may hold determined that you cannot make your minimum monthly payments AND the motor without exceeding their debt-to-income ratio.
That is the only grounds I can think of that they would decline your application, but if that be the reason, it be poorly explained.
PS: In all due respect to my fellow poster...DTI is EXTREMELY big...it's called predatory lend if a creditor knowingly allows you to exceed your DTI for guaranteed types of loan products.
Auto finance is what I do for a living and within is no such thing as too much credit.
There is such a entry as debt to credit ratios and debt to income ratio.
If your outstanding debt on your credit cards is high surrounded by relation to your income or credit limits, this could be the common sense you were decline.
Did you talk to the Finance Manager? They are the individual ones who can legally discuss your credit next to you. Were you actually submitted to a lender and turned down? Or did the Finance Manager simply report to you that you had too much credit to be approved.
If they told you this they must by Federal decree provide you with a adverse doings letter recitation you exactly why they turned you down.
If they submitted you to a lender and you were turned down, the lender will furnish this message.
Sounds like to me you be talking to someone who doe's not know what they are doing.
I agree near Mary and Spiff on this one.
When they talk in the region of too much credit, they generally stingy if you have $50k income per year, and you are sitting on $100,000 contained by available credit, you've overdone it. But this is usually more important to mortgage loan officer then coup¨¦ financers.
Just a thought.but look at your credit report and be sure there are no extra items on it you don't know roughly. I know someone who's wife had a desperate habit of losing her purse (with adjectives the credit cards) and they were constantly have to cancel the. The cards remained on the report (as closed) so at first look you see this long chain of credit items. It really looked bad.
Either route, what you actually hold is a car salesman that doesn't want your business. Look around, you will capture your car.
If my dad dies beside debt will i procure to hang on to the inheiritance?
Question:
well my dad is nearly 10 thousand dollars within debt and owns a good bit or property i be just wondering if he died short life insurance (life insurance for him is prettty huge for 10 thousand dollars) i be thinking a small policy like 1-2 thousand basically for funeral costs if he died without paying rotten the credit card bills would i be able to hold on to the property or would the credit card companys reposess it(he didnt buy the property with the card)
Answers:
If the creditors database against the state, the liquid asseets (ie. cash) will be used to wage off those debts first, previously the court orders anything sold to engineer cash available to reimburse the debts...you will get anything is left.
I would HIGHLY recommend your father getting ample life insurance to cover funeral expenses (and in the order of $8,000 is what you need to budget for.$2K will grasp you a pine box and no service), pay rotten any outstanding debts, and to cover any left-over medical expenses in the event of his demise.
My mother have a very essential funeral...nothing fancy...and it be $6,500.
His estate would pay adjectives of his debts, plus the fees involved in probate. His heir would then split anything is left over.
Before any money is rewarded to beneficiaries the estate taxes must be paid; the court must be remunerated; the attorneys must be paid; and ANY debts he have must be paid. Debts rewarded ONLY if they notified the Probate Court or the Executor of the estate that a debt is owed to them. After adjectives this has be paid, anything is left go to whomever he left his money to contained by his Will. It might be your Mom and you wouldn't get anything from your Father's estate. If he hasn't be to see an attorney to do a Last Will and Testament please encourage him to do so asap. If he does not own a Will the court will take a larger percentage of his assets. A Will protects his assets to shift exactally where he wishes it to go. For example: If you and your sister are bequeathed $50,000, respectively, and after all the bills enjoy been salaried, he has individual $80,000 left, you definitely can't get $50,00 respectively - you would each win $40,000. Without a Will you would get even smaller amount. I hope I have explained this to answer your ask fully.
Don't worry. Credit card will find the instrument to get their money formerly you can get a hold of it. Read 2 previous answers. They are right.
Hi,
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How does a 28yr outmoded near no credit history start establishing a credit history. Applied for 2 cards & denied!?
Question:
Applied for two low end cards and be denied. Will someone give me a arbitrariness? Don't really want to get a "secured" card.
Answers:
You should be a poster child for this topic.I love to read adjectives the answers about the evil of getting credit when you are childlike.
By the time I was your age, I own a great job. I bought my motor in brass, along with everything else. I save a lot of money, and when I be ready to buy my home, I planned to put down $20k (this be back contained by 1978 folks!).
I got turned down! Reason? No credit history. Fortunately for me, I have a loan officer who wasn't a complete idiot and could read past the credit reports.
Start by taking kerdog's suggestion. Get a department store credit card, and a gas card. Use them regularly and pay them bad each month.
Go to your edge (credit union is better) and acquire a small secured loan. Make the payments, and if you can pay it sour AFTER 6 months to establish a credit line. If you can afford it and you enjoy the need, do this again! Secured loans look great on your credit.
It's gonna embezzle several months, but you will easily acquire a good credit rating if you follow these simple steps.
i get started with a few small loans next to a small town bank most big chan bank wont make a lon 4 smaller quantity than 6000$ small banks will spawn a loan 4 as low as 500 $ if you have partly you are in
no offense but if your 28 near no credit history thats really bad.
most associates get credit cards at the age of 20. what it say to the lender or employer is youre afraid of responsibility. someone will give you a credit card.
try orchardbank.com or householdbank.com. they are incredibly generous and sensitive to forks in need A1 credit.
Try applying with some 'department' stores, or gas companies, instead of hill cards.
try this it's help you hope for your requests visit
When you are denied for a credit card, you enjoy the right to a free copy of your credit report. You should get a copy and verify that everything is accurate. You may dream up you have no credit but it is possible at hand are mistakes on it or things you haven't thought about. If you hold a cell phone, that is reported. If you enjoy made a late clearance on that phone, that's reflected contained by your credit. Same with cable, electricity and other bills. I get my first card at 15 years old, no fully fledged required. It was near Providian, I'm not sure if they still exist. If you have a hill account, such as a checking, you can find a Secured credit card which means that the money surrounded by your account is what your credit rein in is. It is a way that some ethnic group start out. (I know you said you don't want to do it but just within case). Just make sure that as you start unloading credit, you pay your bills in good time and soon they will be begging to make available you tons of cards.
Get a home phone line from reputable company; they report to the CB, also gas, electric and/or marine account(s).
I have a friend who is 50 and never have any credit, she paid lolly. My daughter who worked for a large dealership help her buy a car on credit. The solitary thing she have that was positive be a bank picture that she had next to the same mound for 15 years. They were competent to get that guard to float a $12,000 loan to get her started.
Secured credit cards are a great approach to rebuild your credit. Most secured credit card companies require a deposit equal to the credit file your are seeking. Make sure they report your payment monthly to the principal credit bureaus. Making your payments on time monthly will increase your credit rating. You will also gain you deposit returned to you after one year, turning your secured credit card into a unsecured credit card.
Can someone reverse their Western Union reimbursement?
Question:
Well, someone is sending me a payment of $670 contained by western union. Our time zone is just about 16 hours different. He sent me the pin showing that it's "waiting for picked up". Anyways, is there any means of access he can reverse the money within 8-10 hours? I'll be going to the post department to get the money by next but I have to bestow him the online stuff right now(no site or anything) so I just want to know if he can reverse it by the time I go to pick it up.
I am NOT asking if they can reverse it after I grasp it, this is BEFORE I get it.
Answers:
Are you truism that someone bought something from you, and you are going to give it to them BEFORE you win payment. If so you are initial yourself up to a lot of problems. Not knowing what you are selling, but most legal buyers would understand if you have to get the recompense first.
The sender can basically overthrow the payment at any time up until you pick it up. Once you pick it up, it could still reversed such as if the Credit Card they used be found to be stolen or something similar.
I'm not 100% sure but I believe that the sender can reverse the payment at any time prior to the pickup. Can them for sure up to that time doing anything, they are open 24 hours a sunshine.
Prepaid Master and visa cards?
Question:
I saw them at A CVS and it said it is prepaid and if you buy it 2 Visa prepaid cards will be sent to my house. I was wondering how mature you have to be to buy it and can u create a paypal details with it?
Answers:
If you enjoy the cash you can buy it. Age have nothing to do next to prepaid visa/mastercards. And, if you look on the envelope the card comes in it will report you if it can be used online. Good luck z
I would think 18 and yes you can use it merely like any visa.
How do I win a credit card removed that be taken out on me when I be a minor?
Question:
When i was more or less 13 or 14 my mother took out a credit card. For the joint user, she put MY information down. She after that called and changed it to my father information (we have same first and second name) and now they file for bankruptcy 7 years subsequently and THAT credit card is on MY report. I was a minor, and didn't distribute consent!! What can I do?
Answers:
Contact a lawyer
What they did be credit fraud and illegal
Call them and bring up to date them you no longer want the card.
To start with, you be in motion to www.freecreditreports.com and get your annual free reports from respectively of the three companies, then you write respectively one and ask that the card be removed because it is actually your father's debt. You also vote that if this will not be done, you want a statement enclosed within your record (that will walk to all those getting a credit report) stating what you enjoy in your quiz.
You might try contacting the credit card company to kill the card and you might start modifying your entitle - add or metamorphosis a middle initial, use a nickname, etc., to differentiate yourself.
very well the question is what is the set off and how does that credit card effect your credit score. You should apparently call the credit card company and close the article if it is still open. If it be a part of their ruin, it shows on your report. You are however allowed to make comments on your credit report around items. Call the 3 major credit reporting agencies or stir online and get the form to do so.
If your mother in truth changed the information (it should have included his social financial guarantee number) You can contact the credit card companies and ask them to verify it against your s.s. #. Unfortunately it's really tough when families share one and the same names (middle name don't always set it aside, especially except used in taking out credit) Our domestic had indistinguishable problem between siblings. In the end the personality who took out the credit card had to write to the creditor releasing the lower person from the debt.
Hope it help, it's the only process to try to do it without cause more trouble and expense for all involved - at lowest that I know of. Good luck
All you have to do is call for the creditor and explain to them what happened.
What your mother did be illegal, and the information, by decree, has to be removed from the report.
Do that first...I am confident that will be quicker than disputing it, which can lift much longer. They may ask for a copy of your driver's license to be faxed or mailed to them to prove your age.
The previous responders any didn't read your question particularly, or just don't know what they are conversation about.
For starters, you be added to your mothers card. Nothing illegal more or less that. I recommend that kids do this very entity in demand to help establish credit hasty on.
I'm also gonna bet she didn't "change" your for your father...but probably just added him to the card also. Again, nought illegal at hand.
If the card were used after you turned 18, that will prevent you from claiming you be a minor. And do you really want to file fraud charges against your parents?
I don't suggest Mary's advice will capture you very far. Remember that the credit card company merely got screwed from the liquidation, and they are not going to be interested in chitchat to you...not to mention they can't legally discuss this near you anyway. By law they can't natter to anyone but the attorney about this side.
For now, dispute this beside the credit bureau, and file a validation emergency with the credit card company and see if you can sneek this by them.
Do you hold credit card debt, if so, how much?
Question:
Answers:
Hi,
I used "Credit Solution" to settle my debt .They managed to stifle my debt up to 58%.It's legitimate.I come accross this company on NBC News Special Edition.Check it out here:
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No, thank God! I once had over $30K contained by credit card debt.
hi
Zero! Whoopee! Paying off our credit cards and not getting into debt next to them again...has be the best thing my husband and I ever did! We set free a ton of money that way!
lone my best buy card. everytime it goes down, i buy something else.
roughly 40k.. hey you try to go to university on your own & settle up for everything on your own. workin on paying it down though. it's gonna be a loooooong and slow process.. :( but i'll get near!!
yes, about 12,000 possibly more in debt
3k, comming from 40k 4 years ago.
About to achieve into the good helpful of debt! LOL Im buying a house (im so excited)!!
But when I was an undergrad, I accumulate about 12k of debt, even though I tried my best to not give somebody a lift out loans for school. I compensated that off after 1 year of my undertaking after college and I'm debt free today.
I have a totally different scenery point on credit than alot of people. I thought what a misery in the a** it be to have debt from arts school loans so I can not imagine why someone would put themselves surrounded by debt over retail credit cards and other frivolous things.
Plus, while getting out of debt, I had be saving for a house so that really put things surrounded by perspective.
Is it okay to record a sss loan even you are surrounded by an without a job status during the file of application ?
Question:
Answers:
You need to be employed to profile a loan application with SSS as your loan will be file through your employer
I suggest you contact the Social Security System of the Philippines for rules regarding SSS loans directly.
SSS Building
East Avenue
Diliman, Quezon City
Philippines
Tel. No. (632) 920-6401, 920-6446
Email: member_relations@sss.gov.ph
Ask them for the nearest SSS branch within your area
Or look in their website though it is always down http://www.sss.gov.ph/
Bad Credit?
Question:
I guess it is probably the same song. I lost my profession, my credit has be ruined. Now I am back on track and try to verbs things up.
My question, I hear that after a period of seven years this mistakes will be erased from the report, is this true or will those dents be at hand forever?..
Answers:
Here is an excellent site with some wonderful option 4 U. Check it out……..
not sure that the "dents" ever go away. But, have poor credit myself, i do know that after 7 years, most lenders will give you a 2nd kismet. in the meantime, keep hold of up with payments and such. unambiguous a savings explanation, and add to it regularly...even if it's simply $5 a month. good luck to you.
Hi.
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Where is the best place to telephone to refinance house/ consolidate debt?
Question:
My husband and I have have a rough time financially in days gone by year. I am a stay at home mom and my husband makes accurate money except that he was out of a job for most of the last winter and we are have a really hard time catching up and very soon our credit is not so great because we've been postponed with so masses payments. I tried to get a opening too to help but concluded up paying more for daycare than I was making. Wondering if anyone know of a good company to phone up to help us out next to refinance/consolidation. We live in wisconsin. Thanks!
Answers:
Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference within the amount you have remunerated and the amount you owe. If the amount you have salaried is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get toll benefit on this type of loan. Consult your tax advisor up to that time opting for this loan. Hence research the lenders thoroughly beforehand applying. Tell the lender how much you can pay and till when you can take-home pay. They can find out a right plan for you.
Quicken Loans?
Question:
I have be pre-approved for a small home loan. At the time the loan man said I would need 1600 at closing. Today another woman called and said Id inevitability 2900?!? Also they said Id need at least possible 4120 in my statement. This happen to anyone b4?
Answers:
I'm sorry to hear roughly speaking your bad experience near Quicken Loans.
Our Client Relations team can give a hand you with any problems you are have with your loan. Please hail as us at 8OO-863-4332 and we will find a solution to your concerns. Or you can email us at help@quickenloans.com.
You can always contact me through my profile and I'll one-sidedly look into your problem.
Again, I'm sorry you are having issues beside your loan and please get contained by touch with us so that we can find a solution to your mortgage service problems.
Yes, and STAY AWAY FROM QUICKEN LOANS! They are fruitless bad bleak. They will promise you a fixed rate, but in the breakdown of your loan they will show you a disclosure officially recognized thing that will probably bring in little sense to you now. If the breakdown shows something similar to 3 years at the first payment, after another three years at a different payment, consequently another 3 years at a different payment, it is a 3 year ARM loan, lying on another 3 year ARM loan on top of another 3 year ARM loan. I don't remember what the residence in the mortgage industry is but BEWARE. They will run your money and your house. Same with Countrywide, and ditech.com. When shopping for the best mortgage, try to find a simple interest mortgage instead of a programmed interest mortgage. I know that CITI Group offers a simple interest loan. Just be cautious.
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THESE PEOPLE ARE IDIOTS, THE ARE PASSING YOU AROUND TO DIFFRENT PEOPLE. I BET YOU CANNOT GET AHOLD OF THE FIRST PEOPLE. THEY KEEP ON TALKING BUT WHEN IT IS TIME THEY WILL F-U OVER. 2 THINGS I COULD SUGGEST CALL A MANAGER GET IT ALL IN WRITTING, IF NOT TELL THEM TO BUZZ OFF. SAME THING HAPPEND TO ME...