Hi. My name is JJ. I just wanted to introduce myself to this community as well. I read many of the posts here and was very impressed with most of the observations and suggestions made here from other users about credit issues. I have started working and repairing my own as well. Most answers can be found by doing the proper research on the internet and taking the time to budget your own financial issues, not by a quick fix it scheme. Credit Repair does take time and hopefully most people have realized there is not magical power to automatically erase a bad credit score and even more so your debt will not go away. There are ways to fix these issues, but they begin with the person themselves, mostly including lifestyle changes. When I recently budgeted my finances I freaked out when I realized what was happening. Furthermore, I received my free credit report and analyzed my history. I realized how my mistakes were negatively affecting my credit score, so I made a promise to myself to get myself out of debt and raise my score at the same time. Unfortunately I do have some late payments in my history that will not fall off my credit report until I hit the 7 year mark in 2013, which by then I am sure my credit will increase that much more. Every little bit helps. LOL. Anyways, I have reviewed a lot of issues and it is a waiting game. There are little things you can do to start fixing your credit and that is to make sure that on all balances, especially credit cards, get them to about 20 to 30% of the limit. This will dramatically increase your score. Always repay your bills on time. Start showing a positive credit history. Its never too late to start. If you are planning on buying a house or car, prepare in enough time. Don't expect dramatic changes to your credit within a week. It takes months to even years to fix depending on your situation. Like me, I have 2 more years to deal with the negative impact. Another thing to help improve your income is buy utilizing a debt repayment system known as the snowball effect. It actually works. Since January 2011 I have paid off 4 credit cards and am now working on another one. Yes I was young and stupid, but I am now 29 and need to start preparing for my future. I do have one daughter (many expenses for her, but all worth it), 29,000 in student loans, 10,000 on a car, and was 8,000 in credit card / other personal loan debt. Fortunately I do have a secure job for this economy now. I have made the initial steps towards a recovery in many aspects and I found many ways to cut expenses in lifestyle. I have even dragged the rest of my family into doing it. I currently have only 4,500 more in credit card debt and 8,000 on the car. Yes the loans are still there. Hahaha. My goal is to make become debt free in 2 years while raising my score. I realized to balance my debt to credit ratio as this highly impacts your credit score by not having too high of balances on my account. I will also not get to the point where I will be a high risk by having too much credit open as well. (I had to mention that point as well.) So by preparing now and do the necessary changes not only for finances and lifestyle my credit is actually improving. I recently reviewed my credit report again and disputed one item which had been placed on my report. I did this on my own and lucky for me I could prove with out a reasonable doubt that this item was false. Remember the bureaus can not remove items which are legally verifiable. Otherwise, just sit it out as I have done and wait for them to fall off. It takes time, but its not the end of the world. Make changes now. For those who have trouble making payments on time, fix those issues with debt management. You won't fix anything until you can fix your own budget. It takes time and patience, but in the end its worth it. Try reviewing the snowball affect where one pays off smaller balances first. This will help to free more money to pay off debt. I hope in 5 years to have the house of my dreams and move out of my condo (yes I own it) so my daughter can have that better life than I did. Make the necessary sacrifices to make your goals and dreams come true as well, especially if it means giving up your everyday starbucks or whatever. Build credit. Don't charge on accounts if you can't pay them. Bring down your balances. Diversify your credit. There is Good Credit and there is Bad Credit. Beleive me, I had both.
Hey guys , Yes gotta take care of of my credit now and my internet searches landed me here!! Good place. Well i got a 501 and no major derogs except a few medical bills from 03-05 less than 3K, no credit card collections, no tax liens, Just no credit. Only good thing is a wells fargo secured limit of 300 had it 2.5 yrs but pretty over 200 bal the whole time. I just paid it off and want to get my score up over 640 so I can buy a house. I really want the fastest way to get my score up but have no real plan. more secured cards?? any help is appreciated.
I am in the final stages of a chapter 13 and i am trying to buy a house. I have credit scores of 643, 633 and 623 and not ableto find a lender. Could anyone give me some pointers?
I just started the Credit management track. 10 years ago I paid off all, after a divorce. I have not financed any thing. My score is a womping 575, I have a couple medical bills from a couple years ago that I just found in collections. The collection companies sure do jack up the balance. My Fiancee has student loans and lots of credit that we have to work off too. I find this site helpful and will be here often in the next months to come.
i wana know how do i go about tracking down what this is intittled to i have everything fr acct # to debtor id # i calld once b4 they claimed didnt show record idk if this is a scam or if iv been victim of i.d theft HOW DO I PULL UP FULL ACCT W EVERY BIT OF INFO I DO HAVE
In November and December of 2010 I made the last two payments to GE Money Bank to settle a bill my husband co=signed for our son's dental treatment.
I have copies of both checks, front and back, showing that GE deposited both checks into their account. They also show as paid on my bank statement. They started calling me again in February, and said they had no record of payment and now I owed $1100; That's double what the bill originally was.
GE Money bank sold the account to Atlantic Financial, and they sold it to a debt collector attorney. They discovered that GE Money Bank assigned the payment to our JC Penny Card, rather than the collection account. JC Penny sent me a check for $174.00, since we owed them nothing. My bookkeeper deposited the check sometime in February.
So. The debt collector knows we made the payments; she knows that GE sent the payment to JC Penny, who sent the money back to us.
I said I would a replacement check for the original $174.00 but the debt collector said that wouldnt be enough. I have a feeling they paid more for the debt than the $174.00 would cover.
I did everything I said I would do, and GE screwed this transaction up at every turn. Now my husbands credit is suffering, and we are being held financially hostage by this mess.
Here i am newbie.A card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing. Interest usually begins one month after a purchase is made and borrowing limits are pre-set according to the individual's credit rating.
Hello, I am 38 and looking to work on my credit,I am going thru a divorce in which I was left with 50,000 in debt. I am working with a debt relief company and have paid off 3 of my companies and working on a 4th. I am also working on paying off my other debts like my car and house using a debt system I learned years ago. I have a few companies that are trying to take me court even though I am working with the debt settlement companies. It is very frustrating, I am willing to pay them, but I can not pay them all at once.
I've just joined and I'm excited to have found this site. I need some serious help with my question in regards to credit and I hope to obtain some answers!!! Cheers!
I filed bankruptcy and it was final june2010. I continued to pay my car payment and had requested to reaffirm the loan with the bank, the lawyer and I never heard back, so I paid 750 a month for almost a year. I was also ahead in my payments by 2-3 months at a time. Now I paid 300 or 450 at a time yet kept the payments ahead. Then I receive a letter from the ban stating that I did not pay on my car as agreed. Okay so the 7500 dollars I paid in the last year did not count. I called the bank, went in to the bank and they said nothing could be done about it. I really feel that they took my money and falsely accused me of not paying on time and I have my account information to prove that I did and I was current.
I am so confused.
Hello, I am Disabled and can no longer afford to pay my Credit Card Debt. I need to know if they place judgements on me can they lock me out of my apartment ? I do not own any property and after I pay my rent,phone,food and electric I have very little money for the month Please Help ASAP with an Answer so I know what to do. Thank you.
I live in St. Thomas VI and they have absolutely no prepaid or gift cards unless you open a bank account. My wife and I have come on really hard times and both have a judgement for $5,000 because of an eviction. We can not afford to have any money seized so we have no way of paying bills or ordering any of the stuff we need desperately on line. Being in the Virgin Islands it is impossible to survive here without being able to order anything from the states. I don't understand why this is the only place in the world that you can't get a prepaid or gift card without a bank account.
We have a Kmart which has numerous gift cards as well as a walgreens but no gift cards like they have in every branch in the states. I called numerous prepaid credit card companies but they won't send a card here or let us fill it with a mailed money order. PLEASE HELP! WHY IS THIS! WHAT COMPANY WILL SEND US A PREPAID CARD!
I should mention that we did find 1 company but it was $140 for every$100 you can spend which is criminal.
Somebody please help us we have no where to turn,
Mike n Lindsey
Hello All,
My name is "good consumer', and I have bad credit.
Just happened upon this website, as I was looking for a reply on how to respond to a summons I received. I am named as a defendant in a civil law suit, whereby a company that owes me money is filing for receivorship and bankruptcy. Wanted to find out how to respond.
Thanks for having me.
Hello, bad credit and all I have been fighting climbing student loan rates and am looking for ways to help my credit from the damage that these loans have caused. If anyone knows how to communicate with these collector's I will take all advice.
Howdy folks, my name is Jordan and I have been working on my credit for about a year now actively due to the fact that me and my wife are ready to buy our first home! Turns out, that is a major pain in the rear.
Anyway, I look forward to helping in any way that I can and maybe getting a question or two answered.
Pre-recession, I had a great little family, a great job and enjoyed an empowered lifestyle an 800 credit score brings.....
Flash forward a few years, I'm now a single dad, in a new career... Foreclosure, repossession and bankruptcy behind me now, trying to get back on track. I'm spending time reading these forums, trying to learn new strategies to attack the issues I'm facing. Thank you for the information provided here.
My name is Stephanie and I've also known as The Credit Repair Queen. I've helped thousands of people improve their credit scores and quality of life through credit restoration and aim to help more one household at a time. I'd love to offer my expertise to those in need.
I started fixing my own credit a little over 10 years ago when I tried to buy a house when I had my daughter and received the shock of my life when I was denied because my credit score was 535. I wanted to crawl into a hole and never show my face again, but I turned that negative into a positive and learn all there is to know about credit and how to achieve and maintain positive healthy credit scores. Now, we help people get qualified for their dream home, car loans with low interest rates, high limit credit cards and more.
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Hi Community, i am 37 years old now, i had same credit problem but it was fix by. HACKLIVE is undeniably the best hacker for your credit repairs. A month back I saw an article online about this hacker, already I had a serious issues on my profile so I decided to give him a try. He focuses on the job to be done fast, now I’m a fulfilled man cause he removed all negatives on my report and gave me the best credit score 790. Thanks to him I’m well to do again and I recommend his services hit him up via: HACKLIVE247@GMAIL.COM +1(469) 716 4842
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As seen on the screenshot below, from May 1 to May 16, I earned $ 13,000 on just one affiliate program.
This is a very good result. You will be able to promote your proposals on this database and be in a huge plus.
I do not provide email distribution services, I send only my offers.
I sell the base because it is a good way to earn extra money + my earnings in affiliate programs, the relevance of the base will not suffer from this.
GEO base as you see mainly the United States and other developed solvent countries.
I collected the base myself + bought from private sellers which you will not find anywhere else.
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As seen on the screenshot below, from May 1 to May 16, I earned $ 13,000 on just one affiliate program.
This is a very good result. You will be able to promote your proposals on this database and be in a huge plus.
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The base price is $ 15,000 only in bitcoins at the current rate.
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How to make your online dating site profile stand out this summer
If you're in the beginning stages online, And lack that many photos, Start with some and build up to 5 or 6. And your photos need not tell the story of your life they should just look great. People stress themselves out looking for photos that show them in their element/doing hobbies but if you don't have these, don't fret. You'll have the required time to share your life story with your date later.
it is crucial to have a few body shots, Photos that show you from top to bottom. make sure that you're dressed up looking good. If you're reluctant to post a body shot because you don't feel like you'll attract people, rest assured that there are many, Many people online that may wish to date you. when you a guy, Photos where you're placing on a great sport coat, Crisp shirt and jeans work great with females. and ladies, Wearing a pretty dress in a great color that fits you well will pay great dividends.
internet dating is like finding a needle in hot latin women a haystack, And it takes a lot of patience to travel profiles, goal people and set up dates. You'll have to kiss some frogs or quite a few frogs to find love.
9. Fill everything in, Except what amount of cash you make
take time to write a good profile and fill out all of the sections possible. My suggestion is not to state your income or the income you'd like someone to make let this be something you discuss and see over time.
10. Chat on the phone before you go out
once you've exchanged enough messages that you feel a good connection, Ask to chat with the on the phone. Chatting before the date helps to create chemistry, And helps you avoid let-down. If the caller sounds negative, fuming, Bizarre on the phone it's not necessary to go out with them.
On my credit report it shows up hard inquiry.. I know Sears closed their doors and I was issued a new card but the old one is showing up on my credit report. CBNA/Sears does not have a contact number how do I rectify this?
brazilian promises available 'almost zero' stake from Zika rrn the course of olympic games
But a few of the chances when holidaymakers and visitors and also sports stars have the ability to turn out to attacked,fairly zero, Brazil's another healthiness minister, Ricardo Barros, referred to over recent weeks. He very well as other administrators note there presently exist excellent lesser number of nasty flying bugs hectic doing july, quite a few discs are now being arranged, because it has wintry belonging to the northern Hemisphere. already, evaluations of new lawsuits keep stepped of Rio town anywhere from 3,000 and 3,500 a week ahead of time in to just 30 cases a week in June, representatives pronounce.medical as well as analysts be in agreement that Zika hazard is regressing. that they guardedness, however, which is down. then more financial risk than the costa rica government is admitting. plus several kids of Brazilians are skeptical of the official advance forward information at an occasion when the nation's fed government and current economic climate are produced in dilemma,i'm certainly hanging out with a powerful expectations which might be a overstated, suggested Jesse Alves, a contagious circumstances special at the government come Emilio Ribas emergency room in Sao Paulo.Maracana ground, best, which is to be a location this Summer olympics via wed March 23, 2016 having Rio environnant les Janeiro, brazilian. (shiny McClain/The california content)[what you need to know about the Zika viral]the Zika increasing incidence became popular in Brazil's northeast last year, it will be bound to 1,600 situation this sort of area from beginning deficiency microcephaly, then may cause uncommonly very little mind and can result in learning and cognitive complications. Zika could be in connection with Guillain Barr problem, some sort of pjitteryrdisorderlyzing.during february, basically Zika divide using the Americ, our world properly thing specific genital herpes a police emergency. the group promises women who are pregnant probably should not go south america. the specific alerts bring spooked a small number of sports athletes and as a consequence vacationers,some individuals merely are definitely not more comfortable going down there and as well as settling ourselves or or their loved ones for drinking and driving, McIlroy stated reporters last week.selected 160,000 Brazilians now have grabbed Zika which year. but reports of latest believed Zika protective cases suffer slipped 87 p. c nationally caused from february to effectively on a promotion campaign urging people to remove propagation article directories. all of the Aedes aegypti bug whom transfers Zika lays its eggs not too distant of standing upright water, when locates include things like flowerpots, containers or perhaps a historical four tires.Few professional concern you will hear a further downfall in the event within the next few months in Rio. a lot data to do with dengue, an ailment perhaps even shared among the Aedes aegypti bug, existing that there is typically a major go away located in may combined with sept,We might have less nasty flying bugs and less tainted, says karen Sallum, A professor belonging to the entomology category inside of the higher education of Sao Paulo. "i'm not sure in the you will encounter zero. determine demonstrate this,Luiz Gonalves, a health caution agent, investigation greenery at larvae your day aedes aegypti mosquito where it directs Zika doing good reason regarding your Rio higher education. (Dom Phillips/For those buenos aires reply)Laura Harrington, A professor of entomology on Cornell or perhaps, replied many other insects halt while improve environments, a particular Zika herpes simplex virus usually requires months to check it can be incubation period period. the very least settings in Rio in july unquestionably are with 62 with regard to 72 degrees Fahrenheit. But the period in the main limber up to relating to 75 together with 90 deg. gemstones good enough for the insect life as a an active person coupled with nip,suppose you might Aedes aegypti marketplace hovering, maybe there is also a risk, Harrington supposed. administrators plan guard Olympic sports stars off Zika]a quantity of Brazilians now have asked the energy of the country's temporary federal government to answer customer the Zika herpes outbreak. an additional kitchen cabinet and temporary web design manager would be installed on right away was considered Dilma Rousseff halted indoors a dubious properly us senate 12 election impeachment.Barros, the revolutionary wellness minister, lacks doctor's stage. michael's advent motivated the resignation of several foremost administrators just who could not agree with the alteration of fed government.they include Claudio Maierovitch, who have til as of late must have been the standard within department's vital part combating transmissible health issues. He said that birthdays amidst ministry tech and local properly representatives are a lesser number of widespread for Barros as well as aSIAME.com behaviour the actual Zika uncertainty are not distributed,now i'm exceedingly upset, And many someone else are nicely as, he was quoted saying.the minister seemed unaware of how Brazil's Zika stats are accrued anytime showing you the crisis combined with reporters in Rio just now. "there is tests that is finished on almost everyone so, who reveals pain, Barros proclaimed. in actuality, strength officials while four america described research laboratory clinical tests for Zika are actually set up simply for expectant mothers, your children in addition,yet persons who exactly stop functioning. all the others offering indication of the illness, just like for example break outs and furthermore vomiting, will definitely be showing because "probable" carrying cases.a health Ministry spokesman, exactly who talked on state of health behind anonymity on measurements codes, denied and see if the politics turbulence required wounded the ministry's respond to the Zika break out, remembering in a contact that a lot of "just about every split has a unique in addition to veteran geeky soccer team" or political appointees.any Rio settlement u. s,presidency tells me it provides sent 3,500 "physical health vigilant broker agents" Who are would always deal with conditions including dengue to examine buildings to find probability insect procreation site. Daniel Soranz, the neighborhood effectively admin, claims among the traveled to 5 million houses this one year.however, many residents perfectly as diet-related workforce come with asked associated with receive. "It doesn't seem possible, claimed Sandro Cesar, traditional secretary of a Rio's physical health watchful agents' nation, which one endangered a surface aSiAme in feb,march over a lessening of insecticide, repellent and outfits.In job interviews by having three dozen home buyers in neighborhoods down Rio, The wa blog post picked up it fewer than half stated outings according to the materials,it shouldn't go to not as good communities, acknowledged Ezekiel Rodrigues, 27, in the low living general public in Taquara, A couple long distances the actual Olympic meadow.
Think of space time as the pictures you see on your phone's screen. you will observe them, measure their size, color, illumination. great the regular 3 Dimensional environment we call "point,
The article says accountant los angeles dimensions though, And mysterious things happening on those dimension is giving form to the things we observe in our 3D "situation,
If 3D space time is what you see on the screen, Higher dimensions are what are you doing in the CPU. Your phone's one does things your screen can't even imagine. And since we're basically the "tv screen, It's super hard for us to measure what's going on in the "chip,
Solitarybikegallery 1,091 points supplied 4 days ago
The ballistas are so poorly considered. They killed dragons as a plot element. They render dragons pitifully uncomplicated to kill, To the stage where it never a good idea to use them for anything.
"specifically that? Our city under attack by a monster, A living weapon of mythical power? great, Let just wheel out our big crossbows and blow it away from the sky. that ought to take about 10 seconds,
don't forget, But they much stronger than dragons! Euron ships annihilated Dany fleet like these folks nothing. Load up a few dozen of those on wagons and you can bombard any castle in Westeros until it merely rubble (Because seemingly they move at twice the fucking speed of sound).
The ballistas are so fucking stupid that they're literally story breaking. the joy of ASOIAF is now forever changed by their power and ease of manufacture.
Xerobound russian girls 2 points submitted 3 days ago
The bolt firing scorpio had mainly two works out in a legion. In detail shooting, It was a weapon of marksmanship capable of cutting down any foe within a distance of 100 meters. In parabolic take shots, the product range is greater, With miles up to 400 meters, And the firing minute rates are higher (3 to 4 shots each minute). With precision shooting the rate of fire was significantly less. Scorpions could be used in an artillery battery over the rest of a hill or other high ground, The side of which has been protected by the main body of the legion. the extra weight and speed of a bolt was sufficient to pierce enemy shields, most commonly also wounding the enemy so struck.
historic scorpions, Which are the lighter version of the medieval siege ballistas. Here a small working description of the siege ballista firing:
The missile is cleared from the shaft, And with such force that it attains the distance of not less than two bow shots, understanding that, in order to hits a tree or a rock, It pierces it merely. Such could be the engine which bears this name, Being so called because it shoots with very great force
The show could wish for a suspension of disbelief, But not as much as this sub maybe have you believe. These were extremely weapons that existed, But they were very pricey to make.
regularly, but also the bolts have real cost as well, producing limited ammunition likely. on the other hand, More pragmatically, A heavily taken treasury.
Xerobound 11 points transmitted 4 days ago
Take a bakery as an example. You spend a lot to purchase the next quarter profits. You end that quarter in the detrimental aspects. You sell the item you invested in for a greater amount than you spent, and the next quarter reinvest into more. Ending that quarter in the destructive, But growing your company's. as long as you sell the product you invested in, interior of your next quarter, You can continue to grow, And use this to claim the absolute most of tax deductions. Spending your money is a very important thing, Especially if it produces growth available.
So see that as a metric (endeavor growth), Versus said they have experience losses.
Xerobound 1 point developed 4 days ago
Then this article headline would said that. If that content is in released, this great article headline should said that. But it doesn What does so easy fact tell you?
The purpose want to know,informed in question is to serve as a political attack, Not to inform the public of anything they actually have a right to know.
should there be fraud, imply it. if you find laundering, document it.
He not a non-public citizen. He gave that up when he took the role of the general public office.
Any sane person might wish to know how bad at business a person is before they let a person hold office where they would be in charge of public funds for everyone.
He is in public areas office. Information obtained from this information is from public sources.
If you read the article it clearly shows there is some level of impropriety as he claimed interest of 59 million in 1989 when he did NOT hold any assets of any such value during the time.
He a loss. go over it. He is THE BIGGEST LOSER of any American in that duration,each and every one, Including public figures, Is entitled to privacy. But when a person goes into public life, He or she should be aware: Certain issues that are private for a private individual can become matters of reasonable public interest when that individual runs for office. Becoming a public servant means putting the public interest ahead of your family.
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Hi. My name is JJ. I just wanted to introduce myself to this community as well. I read many of the posts here and was very impressed with most of the observations and suggestions made here from other users about credit issues. I have started working and repairing my own as well. Most answers can be found by doing the proper research on the internet and taking the time to budget your own financial issues, not by a quick fix it scheme. Credit Repair does take time and hopefully most people have realized there is not magical power to automatically erase a bad credit score and even more so your debt will not go away. There are ways to fix these issues, but they begin with the person themselves, mostly including lifestyle changes. When I recently budgeted my finances I freaked out when I realized what was happening. Furthermore, I received my free credit report and analyzed my history. I realized how my mistakes were negatively affecting my credit score, so I made a promise to myself to get myself out of debt and raise my score at the same time. Unfortunately I do have some late payments in my history that will not fall off my credit report until I hit the 7 year mark in 2013, which by then I am sure my credit will increase that much more. Every little bit helps. LOL. Anyways, I have reviewed a lot of issues and it is a waiting game. There are little things you can do to start fixing your credit and that is to make sure that on all balances, especially credit cards, get them to about 20 to 30% of the limit. This will dramatically increase your score. Always repay your bills on time. Start showing a positive credit history. Its never too late to start. If you are planning on buying a house or car, prepare in enough time. Don't expect dramatic changes to your credit within a week. It takes months to even years to fix depending on your situation. Like me, I have 2 more years to deal with the negative impact. Another thing to help improve your income is buy utilizing a debt repayment system known as the snowball effect. It actually works. Since January 2011 I have paid off 4 credit cards and am now working on another one. Yes I was young and stupid, but I am now 29 and need to start preparing for my future. I do have one daughter (many expenses for her, but all worth it), 29,000 in student loans, 10,000 on a car, and was 8,000 in credit card / other personal loan debt. Fortunately I do have a secure job for this economy now. I have made the initial steps towards a recovery in many aspects and I found many ways to cut expenses in lifestyle. I have even dragged the rest of my family into doing it. I currently have only 4,500 more in credit card debt and 8,000 on the car. Yes the loans are still there. Hahaha. My goal is to make become debt free in 2 years while raising my score. I realized to balance my debt to credit ratio as this highly impacts your credit score by not having too high of balances on my account. I will also not get to the point where I will be a high risk by having too much credit open as well. (I had to mention that point as well.) So by preparing now and do the necessary changes not only for finances and lifestyle my credit is actually improving. I recently reviewed my credit report again and disputed one item which had been placed on my report. I did this on my own and lucky for me I could prove with out a reasonable doubt that this item was false. Remember the bureaus can not remove items which are legally verifiable. Otherwise, just sit it out as I have done and wait for them to fall off. It takes time, but its not the end of the world. Make changes now. For those who have trouble making payments on time, fix those issues with debt management. You won't fix anything until you can fix your own budget. It takes time and patience, but in the end its worth it. Try reviewing the snowball affect where one pays off smaller balances first. This will help to free more money to pay off debt. I hope in 5 years to have the house of my dreams and move out of my condo (yes I own it) so my daughter can have that better life than I did. Make the necessary sacrifices to make your goals and dreams come true as well, especially if it means giving up your everyday starbucks or whatever. Build credit. Don't charge on accounts if you can't pay them. Bring down your balances. Diversify your credit. There is Good Credit and there is Bad Credit. Beleive me, I had both.
Hey Everyone....Low Score here!! LOL
Hey guys , Yes gotta take care of of my credit now and my internet searches landed me here!! Good place. Well i got a 501 and no major derogs except a few medical bills from 03-05 less than 3K, no credit card collections, no tax liens, Just no credit. Only good thing is a wells fargo secured limit of 300 had it 2.5 yrs but pretty over 200 bal the whole time. I just paid it off and want to get my score up over 640 so I can buy a house. I really want the fastest way to get my score up but have no real plan. more secured cards?? any help is appreciated.
buying a house while in a chapter 13
I am in the final stages of a chapter 13 and i am trying to buy a house. I have credit scores of 643, 633 and 623 and not ableto find a lender. Could anyone give me some pointers?
Credit is as much a job as my job is.
I just started the Credit management track. 10 years ago I paid off all, after a divorce. I have not financed any thing. My score is a womping 575, I have a couple medical bills from a couple years ago that I just found in collections. The collection companies sure do jack up the balance. My Fiancee has student loans and lots of credit that we have to work off too. I find this site helpful and will be here often in the next months to come.
received letter frompalisades collection
i wana know how do i go about tracking down what this is intittled to i have everything fr acct # to debtor id # i calld once b4 they claimed didnt show record idk if this is a scam or if iv been victim of i.d theft HOW DO I PULL UP FULL ACCT W EVERY BIT OF INFO I DO HAVE
GE Money Bank
In November and December of 2010 I made the last two payments to GE Money Bank to settle a bill my husband co=signed for our son's dental treatment.
I have copies of both checks, front and back, showing that GE deposited both checks into their account. They also show as paid on my bank statement. They started calling me again in February, and said they had no record of payment and now I owed $1100; That's double what the bill originally was.
GE Money bank sold the account to Atlantic Financial, and they sold it to a debt collector attorney. They discovered that GE Money Bank assigned the payment to our JC Penny Card, rather than the collection account. JC Penny sent me a check for $174.00, since we owed them nothing. My bookkeeper deposited the check sometime in February.
So. The debt collector knows we made the payments; she knows that GE sent the payment to JC Penny, who sent the money back to us.
I said I would a replacement check for the original $174.00 but the debt collector said that wouldnt be enough. I have a feeling they paid more for the debt than the $174.00 would cover.
I did everything I said I would do, and GE screwed this transaction up at every turn. Now my husbands credit is suffering, and we are being held financially hostage by this mess.
Anything you can suggest to help?
Thanks so much
investment properties loans
Hello,
Here i am newbie.A card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing. Interest usually begins one month after a purchase is made and borrowing limits are pre-set according to the individual's credit rating.
Thanks..
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Introducing Myself
Hi everyone!
While I have been following your page for sometime now, this is my first time introducing myself.
I am trying to decide if it would be better for me to file Chapter 7 Bankruptcy or attempt to repair my credit myself .
If anyone has any suggestions or advice concerning this matter please feel free to offer.
Most of my debt is contributed by Student Loans.
new guy on the block
Hi everyone I'm Adrian. 20 years old live in southern california. Made a couple of mistakes years ago looking to fix them now thanks for any help.
New
Hello, I am 38 and looking to work on my credit,I am going thru a divorce in which I was left with 50,000 in debt. I am working with a debt relief company and have paid off 3 of my companies and working on a 4th. I am also working on paying off my other debts like my car and house using a debt system I learned years ago. I have a few companies that are trying to take me court even though I am working with the debt settlement companies. It is very frustrating, I am willing to pay them, but I can not pay them all at once.
Hello!
I've just joined and I'm excited to have found this site. I need some serious help with my question in regards to credit and I hope to obtain some answers!!! Cheers!
Bankruptcy and car charge off problems
I filed bankruptcy and it was final june2010. I continued to pay my car payment and had requested to reaffirm the loan with the bank, the lawyer and I never heard back, so I paid 750 a month for almost a year. I was also ahead in my payments by 2-3 months at a time. Now I paid 300 or 450 at a time yet kept the payments ahead. Then I receive a letter from the ban stating that I did not pay on my car as agreed. Okay so the 7500 dollars I paid in the last year did not count. I called the bank, went in to the bank and they said nothing could be done about it. I really feel that they took my money and falsely accused me of not paying on time and I have my account information to prove that I did and I was current.
I am so confused.
New to This Site and Need Help
Hello, I am Disabled and can no longer afford to pay my Credit Card Debt. I need to know if they place judgements on me can they lock me out of my apartment ? I do not own any property and after I pay my rent,phone,food and electric I have very little money for the month Please Help ASAP with an Answer so I know what to do. Thank you.
SSI +collection agencies+ Bank act seizure
SSI is my only source of income-I am receiving several call a day from a well know collection agency-can they freeze/seize my bank account.
Help
Hello,
I live in St. Thomas VI and they have absolutely no prepaid or gift cards unless you open a bank account. My wife and I have come on really hard times and both have a judgement for $5,000 because of an eviction. We can not afford to have any money seized so we have no way of paying bills or ordering any of the stuff we need desperately on line. Being in the Virgin Islands it is impossible to survive here without being able to order anything from the states. I don't understand why this is the only place in the world that you can't get a prepaid or gift card without a bank account.
We have a Kmart which has numerous gift cards as well as a walgreens but no gift cards like they have in every branch in the states. I called numerous prepaid credit card companies but they won't send a card here or let us fill it with a mailed money order. PLEASE HELP! WHY IS THIS! WHAT COMPANY WILL SEND US A PREPAID CARD!
I should mention that we did find 1 company but it was $140 for every$100 you can spend which is criminal.
Somebody please help us we have no where to turn,
Mike n Lindsey
Hello All,
My name is "good consumer', and I have bad credit.
Just happened upon this website, as I was looking for a reply on how to respond to a summons I received. I am named as a defendant in a civil law suit, whereby a company that owes me money is filing for receivorship and bankruptcy. Wanted to find out how to respond.
Thanks for having me.
Hello, bad credit and all I have been fighting climbing student loan rates and am looking for ways to help my credit from the damage that these loans have caused. If anyone knows how to communicate with these collector's I will take all advice.
me
Howdy folks, my name is Jordan and I have been working on my credit for about a year now actively due to the fact that me and my wife are ready to buy our first home! Turns out, that is a major pain in the rear.
Anyway, I look forward to helping in any way that I can and maybe getting a question or two answered.
A New Day!
Pre-recession, I had a great little family, a great job and enjoyed an empowered lifestyle an 800 credit score brings.....
Flash forward a few years, I'm now a single dad, in a new career... Foreclosure, repossession and bankruptcy behind me now, trying to get back on track. I'm spending time reading these forums, trying to learn new strategies to attack the issues I'm facing. Thank you for the information provided here.
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Introduction
Hello Everyone -
My name is Stephanie and I've also known as The Credit Repair Queen. I've helped thousands of people improve their credit scores and quality of life through credit restoration and aim to help more one household at a time. I'd love to offer my expertise to those in need.
I started fixing my own credit a little over 10 years ago when I tried to buy a house when I had my daughter and received the shock of my life when I was denied because my credit score was 535. I wanted to crawl into a hole and never show my face again, but I turned that negative into a positive and learn all there is to know about credit and how to achieve and maintain positive healthy credit scores. Now, we help people get qualified for their dream home, car loans with low interest rates, high limit credit cards and more.
I'm happy to be of assistance any way I can.
Thanks.
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hello world
i'm very excited to join this platform, can't wait to share my experience as well as learn new techniques to keep the credit in a good shape. cheers
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Introduction
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Profitable base of email addresses - $ 13,000 for 15 days
Hey. I will sell a profitable database of email addresses (19 000 000 emails) only to 3 people.
As seen on the screenshot below, from May 1 to May 16, I earned $ 13,000 on just one affiliate program.
This is a very good result. You will be able to promote your proposals on this database and be in a huge plus.
I do not provide email distribution services, I send only my offers.
I sell the base because it is a good way to earn extra money + my earnings in affiliate programs, the relevance of the base will not suffer from this.
GEO base as you see mainly the United States and other developed solvent countries.
I collected the base myself + bought from private sellers which you will not find anywhere else.
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The base price is $ 15,000 only in bitcoins at the current rate.
If you know why you need this database, you know how to make mass email mailings and are ready to buy an email sheet from me then write to me on the contacts below.
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Profitable base of email addresses - $ 13,000 for 15 days
Hey. I will sell a profitable database of email addresses (19 000 000 emails) only to 3 people.
As seen on the screenshot below, from May 1 to May 16, I earned $ 13,000 on just one affiliate program.
This is a very good result. You will be able to promote your proposals on this database and be in a huge plus.
I do not provide email distribution services, I send only my offers.
I sell the base because it is a good way to earn extra money + my earnings in affiliate programs, the relevance of the base will not suffer from this.
GEO base as you see mainly the United States and other developed solvent countries.
I collected the base myself + bought from private sellers which you will not find anywhere else.
Base format:
mail1@gmail.com
mail@mail.com
Mail3@hotmail.com
That is, only email addresses in a column.
The base price is $ 15,000 only in bitcoins at the current rate.
If you know why you need this database, you know how to make mass email mailings and are ready to buy an email sheet from me then write to me on the contacts below.
I do not answer stupid questions, I just ignore them.
Proof-1:
https://imgur.com/EtxAk8B
The total earned amount from email mailings from May 1 to 16:
https://imgur.com/mmshjVH
Contact Telegram:
https://t.me/maribright
@maribright
Profitable base of email addresses - $ 13,000 for 15 days
Hey. I will sell a profitable database of email addresses (19 000 000 emails) only to 3 people.
As seen on the screenshot below, from May 1 to May 16, I earned $ 13,000 on just one affiliate program.
This is a very good result. You will be able to promote your proposals on this database and be in a huge plus.
I do not provide email distribution services, I send only my offers.
I sell the base because it is a good way to earn extra money + my earnings in affiliate programs, the relevance of the base will not suffer from this.
GEO base as you see mainly the United States and other developed solvent countries.
I collected the base myself + bought from private sellers which you will not find anywhere else.
Base format:
mail1@gmail.com
mail@mail.com
Mail3@hotmail.com
That is, only email addresses in a column.
The base price is $ 15,000 only in bitcoins at the current rate.
If you know why you need this database, you know how to make mass email mailings and are ready to buy an email sheet from me then write to me on the contacts below.
I do not answer stupid questions, I just ignore them.
Proof-1:
https://imgur.com/EtxAk8B
The total earned amount from email mailings from May 1 to 16:
https://imgur.com/mmshjVH
Contact Telegram:
https://t.me/maribright
@maribright
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How to make your online dating site profile stand out this summer
If you're in the beginning stages online, And lack that many photos, Start with some and build up to 5 or 6. And your photos need not tell the story of your life they should just look great. People stress themselves out looking for photos that show them in their element/doing hobbies but if you don't have these, don't fret. You'll have the required time to share your life story with your date later.
it is crucial to have a few body shots, Photos that show you from top to bottom. make sure that you're dressed up looking good. If you're reluctant to post a body shot because you don't feel like you'll attract people, rest assured that there are many, Many people online that may wish to date you. when you a guy, Photos where you're placing on a great sport coat, Crisp shirt and jeans work great with females. and ladies, Wearing a pretty dress in a great color that fits you well will pay great dividends.
internet dating is like finding a needle in hot latin women a haystack, And it takes a lot of patience to travel profiles, goal people and set up dates. You'll have to kiss some frogs or quite a few frogs to find love.
9. Fill everything in, Except what amount of cash you make
take time to write a good profile and fill out all of the sections possible. My suggestion is not to state your income or the income you'd like someone to make let this be something you discuss and see over time.
10. Chat on the phone before you go out
once you've exchanged enough messages that you feel a good connection, Ask to chat with the on the phone. Chatting before the date helps to create chemistry, And helps you avoid let-down. If the caller sounds negative, fuming, Bizarre on the phone it's not necessary to go out with them.
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Credit karma report
On my credit report it shows up hard inquiry.. I know Sears closed their doors and I was issued a new card but the old one is showing up on my credit report. CBNA/Sears does not have a contact number how do I rectify this?
AsiaME
brazilian promises available 'almost zero' stake from Zika rrn the course of olympic games
But a few of the chances when holidaymakers and visitors and also sports stars have the ability to turn out to attacked,fairly zero, Brazil's another healthiness minister, Ricardo Barros, referred to over recent weeks. He very well as other administrators note there presently exist excellent lesser number of nasty flying bugs hectic doing july, quite a few discs are now being arranged, because it has wintry belonging to the northern Hemisphere. already, evaluations of new lawsuits keep stepped of Rio town anywhere from 3,000 and 3,500 a week ahead of time in to just 30 cases a week in June, representatives pronounce.medical as well as analysts be in agreement that Zika hazard is regressing. that they guardedness, however, which is down. then more financial risk than the costa rica government is admitting. plus several kids of Brazilians are skeptical of the official advance forward information at an occasion when the nation's fed government and current economic climate are produced in dilemma,i'm certainly hanging out with a powerful expectations which might be a overstated, suggested Jesse Alves, a contagious circumstances special at the government come Emilio Ribas emergency room in Sao Paulo.Maracana ground, best, which is to be a location this Summer olympics via wed March 23, 2016 having Rio environnant les Janeiro, brazilian. (shiny McClain/The california content)[what you need to know about the Zika viral]the Zika increasing incidence became popular in Brazil's northeast last year, it will be bound to 1,600 situation this sort of area from beginning deficiency microcephaly, then may cause uncommonly very little mind and can result in learning and cognitive complications. Zika could be in connection with Guillain Barr problem, some sort of pjitteryrdisorderlyzing.during february, basically Zika divide using the Americ, our world properly thing specific genital herpes a police emergency. the group promises women who are pregnant probably should not go south america. the specific alerts bring spooked a small number of sports athletes and as a consequence vacationers,some individuals merely are definitely not more comfortable going down there and as well as settling ourselves or or their loved ones for drinking and driving, McIlroy stated reporters last week.selected 160,000 Brazilians now have grabbed Zika which year. but reports of latest believed Zika protective cases suffer slipped 87 p. c nationally caused from february to effectively on a promotion campaign urging people to remove propagation article directories. all of the Aedes aegypti bug whom transfers Zika lays its eggs not too distant of standing upright water, when locates include things like flowerpots, containers or perhaps a historical four tires.Few professional concern you will hear a further downfall in the event within the next few months in Rio. a lot data to do with dengue, an ailment perhaps even shared among the Aedes aegypti bug, existing that there is typically a major go away located in may combined with sept,We might have less nasty flying bugs and less tainted, says karen Sallum, A professor belonging to the entomology category inside of the higher education of Sao Paulo. "i'm not sure in the you will encounter zero. determine demonstrate this,Luiz Gonalves, a health caution agent, investigation greenery at larvae your day aedes aegypti mosquito where it directs Zika doing good reason regarding your Rio higher education. (Dom Phillips/For those buenos aires reply)Laura Harrington, A professor of entomology on Cornell or perhaps, replied many other insects halt while improve environments, a particular Zika herpes simplex virus usually requires months to check it can be incubation period period. the very least settings in Rio in july unquestionably are with 62 with regard to 72 degrees Fahrenheit. But the period in the main limber up to relating to 75 together with 90 deg. gemstones good enough for the insect life as a an active person coupled with nip,suppose you might Aedes aegypti marketplace hovering, maybe there is also a risk, Harrington supposed. administrators plan guard Olympic sports stars off Zika]a quantity of Brazilians now have asked the energy of the country's temporary federal government to answer customer the Zika herpes outbreak. an additional kitchen cabinet and temporary web design manager would be installed on right away was considered Dilma Rousseff halted indoors a dubious properly us senate 12 election impeachment.Barros, the revolutionary wellness minister, lacks doctor's stage. michael's advent motivated the resignation of several foremost administrators just who could not agree with the alteration of fed government.they include Claudio Maierovitch, who have til as of late must have been the standard within department's vital part combating transmissible health issues. He said that birthdays amidst ministry tech and local properly representatives are a lesser number of widespread for Barros as well as aSIAME.com behaviour the actual Zika uncertainty are not distributed,now i'm exceedingly upset, And many someone else are nicely as, he was quoted saying.the minister seemed unaware of how Brazil's Zika stats are accrued anytime showing you the crisis combined with reporters in Rio just now. "there is tests that is finished on almost everyone so, who reveals pain, Barros proclaimed. in actuality, strength officials while four america described research laboratory clinical tests for Zika are actually set up simply for expectant mothers, your children in addition,yet persons who exactly stop functioning. all the others offering indication of the illness, just like for example break outs and furthermore vomiting, will definitely be showing because "probable" carrying cases.a health Ministry spokesman, exactly who talked on state of health behind anonymity on measurements codes, denied and see if the politics turbulence required wounded the ministry's respond to the Zika break out, remembering in a contact that a lot of "just about every split has a unique in addition to veteran geeky soccer team" or political appointees.any Rio settlement u. s,presidency tells me it provides sent 3,500 "physical health vigilant broker agents" Who are would always deal with conditions including dengue to examine buildings to find probability insect procreation site. Daniel Soranz, the neighborhood effectively admin, claims among the traveled to 5 million houses this one year.however, many residents perfectly as diet-related workforce come with asked associated with receive. "It doesn't seem possible, claimed Sandro Cesar, traditional secretary of a Rio's physical health watchful agents' nation, which one endangered a surface aSiAme in feb,march over a lessening of insecticide, repellent and outfits.In job interviews by having three dozen home buyers in neighborhoods down Rio, The wa blog post picked up it fewer than half stated outings according to the materials,it shouldn't go to not as good communities, acknowledged Ezekiel Rodrigues, 27, in the low living general public in Taquara, A couple long distances the actual Olympic meadow.
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Tourian 10,361 points supplied 4 days ago
Think of space time as the pictures you see on your phone's screen. you will observe them, measure their size, color, illumination. great the regular 3 Dimensional environment we call "point,
The article says accountant los angeles dimensions though, And mysterious things happening on those dimension is giving form to the things we observe in our 3D "situation,
If 3D space time is what you see on the screen, Higher dimensions are what are you doing in the CPU. Your phone's one does things your screen can't even imagine. And since we're basically the "tv screen, It's super hard for us to measure what's going on in the "chip,
Solitarybikegallery 1,091 points supplied 4 days ago
The ballistas are so poorly considered. They killed dragons as a plot element. They render dragons pitifully uncomplicated to kill, To the stage where it never a good idea to use them for anything.
"specifically that? Our city under attack by a monster, A living weapon of mythical power? great, Let just wheel out our big crossbows and blow it away from the sky. that ought to take about 10 seconds,
don't forget, But they much stronger than dragons! Euron ships annihilated Dany fleet like these folks nothing. Load up a few dozen of those on wagons and you can bombard any castle in Westeros until it merely rubble (Because seemingly they move at twice the fucking speed of sound).
The ballistas are so fucking stupid that they're literally story breaking. the joy of ASOIAF is now forever changed by their power and ease of manufacture.
Xerobound russian girls 2 points submitted 3 days ago
The bolt firing scorpio had mainly two works out in a legion. In detail shooting, It was a weapon of marksmanship capable of cutting down any foe within a distance of 100 meters. In parabolic take shots, the product range is greater, With miles up to 400 meters, And the firing minute rates are higher (3 to 4 shots each minute). With precision shooting the rate of fire was significantly less. Scorpions could be used in an artillery battery over the rest of a hill or other high ground, The side of which has been protected by the main body of the legion. the extra weight and speed of a bolt was sufficient to pierce enemy shields, most commonly also wounding the enemy so struck.
historic scorpions, Which are the lighter version of the medieval siege ballistas. Here a small working description of the siege ballista firing:
The missile is cleared from the shaft, And with such force that it attains the distance of not less than two bow shots, understanding that, in order to hits a tree or a rock, It pierces it merely. Such could be the engine which bears this name, Being so called because it shoots with very great force
The show could wish for a suspension of disbelief, But not as much as this sub maybe have you believe. These were extremely weapons that existed, But they were very pricey to make.
regularly, but also the bolts have real cost as well, producing limited ammunition likely. on the other hand, More pragmatically, A heavily taken treasury.
Xerobound 11 points transmitted 4 days ago
Take a bakery as an example. You spend a lot to purchase the next quarter profits. You end that quarter in the detrimental aspects. You sell the item you invested in for a greater amount than you spent, and the next quarter reinvest into more. Ending that quarter in the destructive, But growing your company's. as long as you sell the product you invested in, interior of your next quarter, You can continue to grow, And use this to claim the absolute most of tax deductions. Spending your money is a very important thing, Especially if it produces growth available.
So see that as a metric (endeavor growth), Versus said they have experience losses.
Xerobound 1 point developed 4 days ago
Then this article headline would said that. If that content is in released, this great article headline should said that. But it doesn What does so easy fact tell you?
The purpose want to know,informed in question is to serve as a political attack, Not to inform the public of anything they actually have a right to know.
should there be fraud, imply it. if you find laundering, document it.
He not a non-public citizen. He gave that up when he took the role of the general public office.
Any sane person might wish to know how bad at business a person is before they let a person hold office where they would be in charge of public funds for everyone.
He is in public areas office. Information obtained from this information is from public sources.
If you read the article it clearly shows there is some level of impropriety as he claimed interest of 59 million in 1989 when he did NOT hold any assets of any such value during the time.
He a loss. go over it. He is THE BIGGEST LOSER of any American in that duration,each and every one, Including public figures, Is entitled to privacy. But when a person goes into public life, He or she should be aware: Certain issues that are private for a private individual can become matters of reasonable public interest when that individual runs for office. Becoming a public servant means putting the public interest ahead of your family.
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