Visa, MasterCard, American Express, or Discover?
Answers:
It depends what you want. To generalize, the four different cards associations have different souk positioning that can be summarized as the following:
MasterCard/Visa: Greatest worldwide acceptance
American Express: Good for frequent travellers and affluent customers
Discover: Good for customers wanting cashback rewards.
However, what really matter is the loyalty program that you get attached to the card. This depends on the sandbank that is issuing the card, not the cards association. You can find a cashback card to be precise branded with the Visa logo, the MasterCard logo, the Discover logo, or the American Express logo. The concordat given by the bank is what you should use to determine what card you want.
Other Answers:
mastercard.
Visa and Mastercard are the most widely-accepted, so they're best for a first credit card. Shop around to different banks within your area to find the one that will give you the best interest rate. Visa and AMEX
Visa!
Discover! Cash posterior rebates!visa, ive never seen a place that doesnt cart it visa
mastercard
Cashnone Visa and mastercard
visa, its everywhere you want to be
Except for answer number 12, which is the most powerfully thought out and direct response to your somewhat obscure and ambiguous initial grill, all the other reponses are opinion. Is that what you are looking for? You could have confidently done more research and CC comparisons on-line by typing "credit card comparisons" into G00GLE or Y! Search and found concrete differences and advantages that may more pin-pointedly answer your concerns. My general response is similar to the answer provided concerning "It depends what you are looking for..." and that's just it, you own to know what you want, where you are at credit worthiness-wise, and determine which features, advantages & benefits fit tightly to your particular scenario. Then, your individual credit level will determine which one you will in reality receive. As most agreed; MC & Visa are about equal, and depending on the dune that backs them and your credit gain, your success of unloading them are pretty good. Costco won't run either, simply AMEX, some restaurants won't take AMEX...After years of paying stale debts and being meticulous going on for repaying cc bills, timely & for more than the min, I got adjectives but Discover. Why? They have their reason. I can live with adjectives the credit I have be granted...Which card do you most aspire to have surrounded by your wallet? Seek it out and you'll eventually get it. Sorry to jump on&on&on (12 step program for compulsive talkers)...I just have to share...Mahalo & Aloha!Source(s):
Experian, Transunion/True Credit, Equifax, FICO
None of the above? Debt-free is the channel to be.
Magarnical - Visa is NOT everywhere you want to be, unless where you want to be is surrounded by DEBT!
difference between operating leverage and financial leverage?
Answers:
operating leverage i reckon is the interest paid on financing current asset, while financial leverage is total of adjectives interest paid out on debentures, loans & other debt instruments.
Other Answers:
Operating leverage is a means of fixed costs compared to variable costs. Financial leverage is a benchmark of debt to equity. Both create risk. If a company has glorious fixed cost obligations, it must compensate them regardless of revenues. They do not decrease when emergency (sales) decline so fluctuations in revenues can be risky. If a company have a large amount of debt it must service the debt (pay interest) regardless of revenues. This also creates risk for the company but can also increase a company's earnings/share potential.
on what webb addres can i check if i am blacklisted?
Answers:
In the UK the two main companies used to check credit are Experian & Equifax
www.experian.co.uk
www.equifax.com
But I don't know what country you're within!
What is the best road to struggle a collection agency?
I am disputing a bill with a collection agency. Even though I enjoy informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as self late. What moral is it to dispute a bill if they can do whatever they want. What can I voice to the collection agency so that they will remove this bill from the 3 credit bureaus? Don't I have any rights to box this bill? Would it be possible to take this to a small claims court? Thanks.Answers:
While Icsowesmemoney is mostly correct, and is a professional collector who know the law, agree to me correct a few things.
He implies that if you do not respond to a collection agency inwardly 30 day of the innitial contact, you are considered liable for the debt. This is incorrect.
The Fair Debt Collection states "The dead loss of a consumer to dispute the validity of a debt underneath this section may not be construed by any court as an permission of liability by the consumer."
The purpose of the warning is to pass the consumer the right to demand the debt be validate. During that time, the collector must cease adjectives collection activities. Failing to respond inwardly 30 days is NOT an admission that you owe the debt, but simply places a shaft date on when the collector can begin collection deeds.
Even though I apparently don't know the law, and can singular "cut and paste", this does seem sort of clear to me.
The law is also markedly clear on how long any investigation takes place. The credit reporting agency have 30 days to respond to a dispute, and either reaffirm the entry or delete it. I see nought in the canon allowing a "reasonable amount of time" for the creditor to respond.
OK, now that we hold cleared that up...
SUE THEM!
First, you need to read and think through the Fair Credit Reporting Act, as it outlines exactly what the dispute procedure is. If you don't follow it to the letter, you will mess up your court crust.
Send all junk mail by certified mail, so you can prove that they be sent and received.
1) Send a demand message to the Credit Reporting Agency (CRA). Give them any proof you have to dispute your shield. In your case, you claim the address list is about man late? Send them copies of any bills and checks to prove it. The CRA have 30 days to "investigate" this charge. All that means is they will contact the creditor and ask them if the register is correct. If the creditor says "yes", the register is now "verified" and the encyclopaedia stays. On to step 2....
2) Send a "Demand for Validation" letter to the creditor. The creditor have 30 days to respond. They must send you copies of bills, receipts, contracts, and everything used to add your debt. This will be the evidence they use in court if you sue them, so look it over in moderation to see if you still have a casing. If you still think you are right, and they still send regrets to remove the listing...see below.
3) If they don't respond at adjectives, send a copy of the "demand for validation" notification plus another demand to remove the book to the CRA. Tell them that the creditor has inferior to "validate" the debt. If the CRA still does not remove the listing, you can presently add them to your lawsuit also.
4) File a small claims suit against these guys. You will necessitate to investigate how your local small claims court works. Generally, pay a small tax, serve the process, and go to court. If you can convince the consider the entry was incorrect, you can collect $1000 from both the creditor and the CRA, plus any damages the go-between awards.
Yes it works, I'm in the process of doing it right presently. Already have a settlement next to one of the parties.
Do your homework, and read the links below.
Other Answers:
The best agency is to use your fists.
You enjoy to show written or printed information that supports your claim that the bill is incorrect. Do you have a copy of the bill showing salaried? Can you get a reminder from the company stating the bill has be paid? If not, you are out of luck and will enjoy to pay it again. It depends on the size of the bill, the type of bill, and what proof you've offered that it's wrong. First, if you can afford it, you should money the bill to avoid further damage to your credit rating. That'll cost you a great deal more in the long run. Then, to dispute the bill or bring your money back, you entail to provide them with thorny documentation and proof as to why you're disputing the bill. Saying "it's wrong" isn't going to get you out of it. They hear that a thousand times a sunshine.
Get yourself D-9 and verbs the bastards with that. That will construct the phony s.o.b`s think twice going on for disrupting your life. A baseball bat works other if you dont know how to run a bulldozer.
Do not let them find youThe collection agency's job is to collect, term end of story.
If the bill is wrong, contact the company the bill be originated next to, dispute the billing with them. Explain to them you are within good creed trying to correct the issue, but feel the collection agency does not hold the ability to pedal your disputed bill.
If this does not work, you may need to consult and attorney.
resources to help your m¨ºl¨¦e
http://andycaine.4credit.hop.clickbank.net START HERE:
SEND VIA CERTIFIED RETURN RECEIPT MAIL A LETTER DISPUTING THE CHARGES AND WHY. REQUEST PROOF THAT YOU OWE THE BILL, NOT JUST COPIES OF INVOICES BUT "PROOF", SIGNED STATEMENTS ETC. ALSO, SEND TO THE 3 MAJOR CREDIT REPORTING AGENCIES A LETTER OF DISPUTE. YOU CAN GET THESE ON LIE AND THEIR WEB SITES. LET THEM KNOW THAT YOU HAVE DISPUTED THIS INFO WITH THE COLLECTION AGENCY AND THEY HAVE NOT FOLLOWED UP WITH YOU. THEY SHOULD THEN LIST THE ACCOUNT AS "DISPUTED" ON YOUR CREDIT FILE. THEY WILL ALSO SEND A "COLLECTION VERIFICATION" NOTICE TO THE COLLECTION AGENCY AND THEY WILL BE REQUIRED TO SUPPLY PROOF TO THEM OF THE DEBT.
THE FDCPA STATES THAT THEY HAVE "A REASONABLE AMOUNT OF TIME" TO RESPOND; THE AMERICAN COLLECTOR ASSOCIATION OUTLINES THIS AS 30 DAYS. IT THEY HAVE NOT RESPONDED TO YOUR REQUEST WITHIN THAT 30 DAYS THEN SEND ANOTHER LETTER TO THE 3 CREDIT REPORTING AGENCIES AND DEMAND THAT IT BE REMOVED FROM YOUR FILE.
KEEP IN MIND THAT THEY CAN TAKE UP TO 90 DAYS TO REPORT THIS INFORMATION.
IF IT HAS NOT BEEN DONE BY THEN, I WOULD CONSULT AN ATTORNEY.
ALSO, THIS DISPUTE MUST BE DONE WITHIN THE 1ST 30DAYS OF THE ACCOUNT BEING ASSIGNED TO THE COLLECTION AGENCY. THE FDCPA REQUIRES THAT A 3RD PARTY COLLECTION AGENCY SEND OUT A "VALIDATION NOTICE" TO THE DEBTOR GIVING THEM 30 DAYS TO DISPUTE THE DEBT. THERE IS A "MIRANDA" ON THAT LETTER STATING SOMETHING LIKE THIS-
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU DISPUTE THE VALIDITY OF ALL OR ANY PORTION OF THE DEBT, YOU MUST NOTIFY THIS OFFICE WITHIN 30 DAYS OF RECEIPT OF THIS NOTICE OR WE WILL ASSUME THE DEBT IS VALID. IF YOU NOTIFY US WITHIN 30 DAYS OF RECEIPT OF THIS NOTICE, WE WILL OBTAIN VERIFICATION FROM THE CREDITOR, OR IF A JUDGMENT EXISTS, OBTAIN A COPY OF VERIFICATION OF JUDGMENT AND MAIL A COPY TO YOU. IF YOU DO NOT IDENTIFY THE CREDITOR, WRITE TO US TO THAT EFFECT AND WE WILL PROVIDE THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THAT LISTED.
THE NOTICE MAY VARY FROM STATE TO STATE AND THE VERBAGE MAY VARY BUT THE LAW STATES YOU MUST DISPUTE WITHIN THE 1ST 30DAYS. WHILE SOME REPUTABLE AGENCIES WILL ALLOW A DISPUTE AFTER 30 DAYS THEY ARE NOT REQUIRED TO DO SO BY LAW.
ALSO, IF THE DEBT IS A TRAFFIC TICKET OR ANOTHER TYPE OF GOVERNMENT FINE, THEY DO NOT HAVE TO SEND OUT A VALIDATION NOTICE.
GOOD LUCK!
Source(s):
I WORK IN THE CREDIT/CREDIT REPORTING AND COLLECTIONS INDUSTRY
phone number for mbna credit cards Don hamilton?
Answers:
1-8OO-421-2110
can a credit card company put a lien on your property if they enjoy charged past its sell-by date the debt?
Answers:
Companys charge off debt contained by two instances-
-The account is hopeless, they will only let it sit on your credit report. If the card is canceled, the will also charge sour the account to prevent further quality newspaper bills from being sent to your house.
-The commentary has be sent to a collection agency, it is a violation of the FDCPA for a collection agency and the client to be sending you bills at duplicate time, the charge off is to prevent this.
Leins are attached to an asset (your property) after an entry of evasion judgment have been enter. You will have be served with a summons and comlaint, next givin up to 45 days (in some states) to file an answer. If you enjoy fialed to file an answer, defaulting judment will be taken upon you and they will attach the lein to the property. That lien will stay in place until the debt is remunerated. They will continue to renew the judment contained by order to keep hold of it in place. If you havent be served you need to ring the company and find out where the verdict was enter so you can get a copy, if a lein have been enter without a acumen they are in gross despoliation and you need to contact an legal representative.
SOL- Statute of limitation, is extended after a verdict is filled and can be renewd every occupancy to keep it current. The debt is owing until rewarded but after the SOL( between 5 & 9 years for most states) is passed limited permitted action is permeitted. If a grant is made to an account departed the sol it automatically stars over. This is because the "Debtor" is acknowledging that the debt is valid. Also becasue the pmt must be reported to the c/r agency.
Other Answers:
no, a charge rotten is almost a way of adage they gave up trying to receive the money from you. they can't put a lien on anything. i don't know where you hear that from. but it is a very fruitless thing to enjoy a charge off on your credit report. if i be you i'd contact the credit bureaus and pay stale the credit debt.
I disagree near the person that indicated that the wall has no recourse.
By tariff law, a corporation must utilize any and adjectives reasonable arrangements to reclaim bad debt contained by order to write it stale. Otherwise, it will be dismissed in audit.
As the personal guarantor of the card, adjectives of your personal assets are subject seizure/lien in their crack to facilitate their reclamation.
However, if an asset is jointly owned by you and your spouse, within most states, it is protected.
That being said, be a personage of honor and pay them what you owe. Not single is it the right thing to do, it will assistance your credit in the long run. A repaid chargoff shows that while you have a difficult time in your life span, you accept your responsibilities. A chargeoff shows your a deadbeat.
Source(s):
25 years contained by credit, currently a Credit Manager.
This is a put somebody through the mill an attorney should answer. In my opinion usually no. However, if they have decision the state may allow alien on checking accounts and garnishment of wages. I am not an attorney.
1euro=?rupees?
Answers:
According to www.xe.com today (May 11, 2006), one euro is equivalent to 57.43 rupees.
Other Answers:
According to www.xe.com today (May 11, 2006), one euro is equivalent to 57.43 rupees.
1$=?rupees?
Answers:
Today , 44.84
Other Answers:
44.84 rupees is the current exchange rate.
Source(s):
http://www.x-rates.com/calculator.html
Today 1 dollar is equivalent to 44.84 rupees.
I think you asked how plentiful rupees not paisa
so $1 = 45 Rs.
smart enough
is it true that if you check your credit history online that your credit gain will lessening?
Answers:
The Fair and Accurate Credit Reporting Act specifically says that you are allowed to capture a free credit report, and it will not effect your credit score (or even show up that you get it).
No fears, get your report!
Other Answers:
Absolutely not. You may check your credit history as habitually as you'd like. It is counted as a "soft inquiry" which have no effect on your score.
A "hard inquiry" would come from a consumer-initiated request for credit, such as an application for a credit card or auto loan. This gentle of inquiry will effect your score indefinitely. Try to avoid applying for tons sources of credit in a short amount of time. It shows lenders that you are have a hard time obtain credit and they will be less probable to grant you a stripe.
yes every time your credit is looked into there it take points
what's the best mound to unscrew an narrative??
Answers:
Washington Mutual! Free EVERYTHING!
Other Answers:
try citibank... i think they enjoy a simple savers substitute... check out their site for a branch near you...
Never use sandbank of america, lowest interest etc. I understand that switch bank, within the Pacific North west is better then most.
a sperm wall.
SKY BANK
There is not enough information to answer your sound out.
What services do you need for a guard?
try a credit union
state force credit union is best overall, but you enjoy to have a domestic member who is a state hand.
Presidents choice...for every dollar you spend you get contained by store points and later on free food. No dune fees too
If you have to guess, how much personal debt do you hold?
Not counting car loans or mortages. I know this is a tough query and most people would not want to answer. But I am simply trying to guess where I stand, if anyone is likely to answer.Answers:
$0, I use to have over $30,000.oo within credit card debt, I paid them bad over the course of 5 years and haven't charged since.
Other Answers:
$600.00
not counting saloon + mortgage.... about $11,000. it be all stuff to fix up the house though, including adjectives new plumbing, a unusual furnace, etc. i'm 23. one of my best buddies at work is 32 and he's still somewhere in the 20,000 extent though. $o.oo
Not correct at all.. 50 years of age and $60,000 debt.
I don't similar to owing anyone anything. I make sure I don't spend more than what I craft. I live within my resources and I only spend on what I involve. What I want can wait for when I deal with to save for anything it is I want....................40000 dollars why what most Americans are surrounded by debt up to there ears am i right I owe a friend lunch!
WELL NOT COUNTING CAR LOAN OR MORTGAGE I WOULD SAY ABOUT $30,000.00. BUT THIS DOES INCLUDE A $26,000 LOAN FOR MY MOTOR HOME SO IF YOU CONSIDER THAT A CAR PAYMENT, ONLY ABOUT $4000> JUST BOUGHT A NEW SELECT COMFORT BED AND A NEW COUCH.
Average in America is around $8000 contained by cc debt. We paid rotten our $16k in cc debt two years ago and individual use our check card now. Since it take money directly from our account, we can merely spend what we actually own.00.00 own credit cards and lines of credit, but don't use them for years now
Horrible credit, Need loan for house?
I need a mortgage for a house that I am not sure it's expediency but it's for sale for 70,000 a short time ago because its a family friend. It's contained by a desirable area and we want it discouraging. My husband and I filed liquidation about a year ago and the ultimate time we checked our fico score it be 500 or less. But that be because none of the bankruptcy stuff be on there and alot of the stuff be on there twice. We are also refinancing a student loan which will bring it up contained by about 30-45 days. I involve to get the loan for just about 80,000 so I can do repairs. I live in KY. I know near my first house which we foreclosed on during bankruptcy ( with the sole purpose because we were lied to by the owners and too infantile to know that we had option to sue) the mortgage lady cleaned up our credit report and submitted it instead of our unpromising one and we saved in the order of 300 a month with her doing that. If here is anyone who knows of anything we can do. Thank you so much, Ron and MelissaAnswers:
I don't hold the best credit either so I know how you discern. I would suggest trying to find a grant that might support with down payments, etc. Maybe you could also suggest they lower the asking price if the house desires work before you can move surrounded by.
I know you said it is a family friend, perchance they will let you work out a rent to own remedy? Credit is tough, I have cultured from my past mistakes it is better stale never to get contained by trouble with you credit surrounded by the first place (sometimes problems can't be avoided of course).
It is heartbreaking when you find what you are looking for but you just can't enjoy it. Good Luck!
Other Answers:
Not sure if this is any help, but can you send for a credit counseling service or bank hot dash for people surrounded by your situation? Sadly, the bank WILL probably require some collateral.
let's see...perchance you are a retard! i don't know...i truly believe in karma...so, if i said something that isn't true to upset you, i'll feel the reprocussions of it...get hold of real female...and stop being a wicked nast...first of all like mad is two words... two one and two.
a space lot
a lot. it's not alittle...it's a touch..you spell that right don't you...
secondly. check out this site..it may help you determine how much the home is worth..really.
www.zillow.com
it is the coolest site surrounded by the world..for buying a home anyway.
Be grateful the mortgage lady cleaned up your credit. Find yourself an apartment and settle up off your ruin. If your buying a $70,000 home which needs $80,000 worth of upgrades, where's the great business deal? How much is the home appraised for?
http://andycaine.paid2buy.hop.clickbank.net
use for housing rearing
or for loan help click below
http://andycaine.approval4u.hop.clickbank.web
Nobody is going to lend the additional 10K for the repairs, so set up the public sale at $80 or 90K even, if the house can get appraised at even.
With your credit/bk you will not be able to achieve in for smaller quantity than 20% down plus closing costs.
Why are you so hot to buy. You just get of bk. Regroup and start accumulating money and long possession job history.
Do truecredit.com show the TRUE actual fico score? Or is their score estimates?
or is it better to get my actual score from myfico.com?Answers:
According to their website: "Your credit score will shift each time strange information is captured surrounded by your record. TrueCredit is not connected surrounded by any way beside Fair, Isaac and Company; the credit score provided here is not a so-called FICO evaluation. The credit scores of TransUnion may not be transposable in every respect to any consumer credit score produced by any other company."
If you are looking for your FICO score, jump to http://www.myfico.com.
______________________________
CAROLINE SIMMONS
REALTOR(R) & Affordable Housing Specialist
O. 866.894.3601 ~ C. 404.787.8685 ~ F. 404.745.8019
E. caroline@premyiergroup.com
W. http://www.premyiergroup.com
Other Answers:
Carrol is correct. If you want your Fico Scores, go to the source...
http://www.myfico.com
how do i find the impact ach that took 159.00 out of my report?
bank statement showing 159.00 taken out by impact ach. I can't find where on earth this wentAnswers:
ACH stands for Automated Clearing House. Used when you payment by an electronic check (where you give the entity on the other end your acct number and authorize him to take off money from your account).
Try and recollect if you have done any of that.
If not, I suspect you might own lost a check somewhere which someone is trying to cash surrounded by on. Contact your bank IMMEDIATELY and ask them to find out any info on IMPACT ACH. Also check for other signs of movement in your acct.
Dont want to nouns alarmist but you could be a victim of ID Fraud.
Other Answers:
All you can do is contact the hill.
what's the best and fastest opening to establsih dutiful credit contained by proclaim to take an auto loan?
Answers:
There really is no super fast style to do it. But the best and probably quickest way would be to shift to Annualcreditreport.com and get your free 3 credit reports. Then shift through them and dispute the negative items on your report that dont clear valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond inside 30 days the negative item have to be removed by law. In which removing a unenthusiastic credit report item raises your gain. Also, finding your most recent and lowest balance debt and offering see of what you totally owed for it. Most creditors are willing to do this if your report has be way astern for a long time. Because now they're only worried about getting any money from you at adjectives. Same is 100% true for collection agencies whom took over your bad debt. Offer partially and no more. Ask to include in writing and mail to you that they will remove negative from your credit report within terms of full half-amount transmittal. That raises your win. Other would be as suggested to get a secured credit card and a moment ago use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on the dot...everytime. This will start to show up as a positive item in your credit report and by showing a low match on you card (30% or less of illustrious limit) will show you can be responsible with your credit and thus create a difficult score and highly developed opinion of a adjectives creditor...such as an auto financer. Heed this and Hope i was of some virtuous help to you. Good luck. Shuuutnstr =o)
Other Answers:
Secured Credit card. ASk your wall about it, or look online.
Pay your bills! there isnt any efficient way to repair your credit. take time. pay your bills prompt and stop maxing everything out. but if u do, pay it sour asap or keep the symmetry low.
you may find some great answers on www.entrustsystems.com/wow