Archive for February, 2010

How many individual credit accounts should you have on your credit report?

I am an authorized user on 3 major credit cards. I have one individual department store account and one individual student loan account. Should I remove myself as authorized user from 2 of the most recent accounts and get a major credit card individual account? Would that help/hurt my credit?

By: candiceinks

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What the dirfference from a regular bank to a credit union?

azkoolchik asked:


Is a credit union better than a regular bank? I would like to know the advantages and disadvantages. I have heard that a credit uinon is better but I don’t see how? If it is better should I go ahead and open an account as well keep my other regular bank account open?

When will his credit be good enough to apply for a credit card?

My boyfriend is in the process of clearing up some derogatory items on his credit. Once he has paid his debts how many months will it take for him to be approved for a credit card? I understand that the items will be on his credit for 7 years. Will he have to wait until then to start reestablishing credit?

By: Nella

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Can i rebuild my credit without a car loan?


If i file bankruptcy, can i still rebuild my credit without a car loan? I want to purchase a paid off car and get liability insurance. I still have a student loan and 2 credit cards, i’m planning to keep them to rebuild my credit. Will these get me to 700s after 2-3 years of paying on time?Submited by:Dennis L

How do I find out which bank in my community has the best credit rating?

John W. Redelfs asked:


Investors have ways of learning the credit rating of companies whose stock they want to purchase. Where can I find this kind of information about a bank I want to open an account with? What is my bank’s credit rating. It certainly knows mine.

Visa Electron and Maestro card question?


I already got these cards here from a bank in Czech republic… Can I use the card to buy stuff (like in restaurant or shops) somewhere else? Let’s say malaysia…

Since both are in different regions (czech in europe and malaysia in south east asia), is it possible to buy things on Malaysia?

This is because a friend said that we need some kind of activation to be able to use it… I don’t think he’s very sure about it so I want to ask just in case there is someone here who knows…

thanks

Oh, I’ve tried online shopping in ebay, and it works so far…Submited by:hypnonebula

What is the best (most beneficial) bank for business checking accounts?


I have recently formed a corporation, now I need a bank to do business with. What will be the best (most beneficial bank for a business checking account and why?Submited by:fatmac6113

How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

By: love_earth22

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Italian Nursing Home?

A Mexican family was considering putting their grandfather
(Abuelo) in a nursing home.

All the Hispanic facilities were completely full so they had to put
him in an Italian home.

After a few weeks in the Italian facility, they came to visit Grandpa.
‘How do you like it here?’ asks the grandson. ‘It’s wonderful!
Everyone here is so courteous and respectful, says grandpa.

‘We’re so happy for you. We were worried that this was the
wrong place for you. You know, since you are a little different from everyone.’

‘Oh, no! Let me tell you about how wonderfully they treat the residents.

Abuelo says with a big smile. ‘There’s a musician here — he’s 85 years old.
He hasn’t played the violin in 20 years and everyone still calls him ‘Maestro’!’

‘There is a judge in here — he’s 95 years old. He hasn’t been
on the bench in 30 years and everyone still calls him ‘Your Honor’!’

‘There’s a dentist here — 90 years old. He hasn’t fixed a tooth for 25 years
and everyone still calls him Doctor?!’

‘And me — I haven’t had sex for 35 years and they still call me
‘The F#*&ing Mexican’

By: Happy Muslim

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How to get credit card companies to settle for less than amount you owe?


I am just over 30 days deliquent with my credit cards and want to settle them to pay off. No one will even consider it. I have a way to get money to pay them all off, but only if they can accept a lesser amount. What are my options besides bankruptcy or consumer credit counseling.Submited by:Susan