Ryan Cote asked:


Your credit rating, like a report card of your credit history, is important when determining your economic status. When your credit rating is good, can easily obtain a loan, a mortgage, or credit cards, among other things. But if you have a spotty payment history with a creditor, or even went into default with one or more loans, this negative action is reported to a credit reporting agency, which keeps track of your credit report. With a bad credit rating, you will be unable to get a loan or a credit card (or at least one with a reasonable interest rate). Without a credit card, you can’t rent a car, or even shop online. Having a good credit history is crucial to most financial opportunities, and it is important to begin repairing your credit as quickly as possible if you find yourself classified as “poor.”

Most people hesitate to attempt to fix their own credit, because they are unsure where to begin. The first step to credit repair would be to order a current copy of your credit report from the credit reporting agency. To find out which of credit reporting agency tracks your credit, take a look at a declined credit application. This letter will indicate the credit reporting agency that provides your credit rating.

If you’re concerned about the cost of the report, don’t be. Most people don’t know that you are entitled to a free credit report. To get one, just contact the credit reporting agency either by mail or through their website, and request an application. Once you receive it, fill it out and mail it with a copy of your identification, to the credit reporting agency. If you’d rather not wait for the mailed credit report, most credit reporting agencies will also provide your credit history on the internet. Unlike the mail method, however, viewing your report online will cost a fee.

No matter how you get it, it is absolutely necessary to review your credit report. Look for any possible mistakes in your report. If there are any, you should request, in writing, that the credit reporting agency investigate the item. After you have done this, the credit reporting agency legally has 30 days to provide you with documentation regarding the entry. If they fail to do so, the entry must be removed from your credit report.

When you request that an item listed on your credit report be investigated, be sure to send any supporting documents you might have along with the request. It is uncommon, but agencies can sometimes make a mistake, or possibly mix up your credit information with another customer’s. You may also request that the agency note any entries being investigated on your file.

It is absolutely necessary that you review your credit report before attempting to repair your credit. Unless you do so, you will have no idea what you are dealing with except that your credit rating is listed as “poor.” It is important to find out how poor it actually is, and what is listed on the report, causing a low score. You could be dealing with several missed payments, or only one defaulted loan. You may have just received the black mark on your credit history, or the negative items could be six and a half years old and nearly ready to expire. Knowing exactly where you stand with your credit is crucial to beginning your credit repair process.

sasukekun123 asked:

Although, i do not own the video OR THE SONG All credits (Almost) goes to Viz Media/Shonen jump mangas. I get the credit for making the AMV ^^ I DISABLED COMEMMENTS DUE TO PEOPLE WHO CANT READ! IF YOU GUYS EVEN E MAIL ME, I WILL DISABLE THIS VIDEO!! Music credit goes to Universal Music Group. Clips = 1-10 81-90 www.Myspace.com/KillerShadow 300K (300000) Views – 7:58 May 30, 2008 Song = Three Days Grace – I Hate Everything About You. … Sasuke Itachi

LukeyD822 asked:

filling out surveys? Click below to get started! www.rewards1.com Its as simple as that! All you have to do is register on the site, find surveys and fill them out! Make sure to fill out the free ones and Non-Credit Card ones if you are still afraid about spending money or giving out credit info. WANT A FREE XBOX 360? CLICK BELOW www.3604free.com Instructions: All you have to do is click the link above or this if that didn’t work: tinyurl.com and sign up! Its easy, safe and you will have …

Stephen S asked:


I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80’s or early 90’s. Thanks.

lilmissann asked:

this. 2. if you are the owner of this video, do tell if this meant to stay only in daum. as i mentioned before, i barely understand korean so i cannot tell if i am prohibited from taking this video out. and if it’s okay for me to post the video here provided with credit, please let me know. i’m sure i should at least credit someone on this. m(_ _)m 3. for download links, please visit my livejournal. enjoy~! (^_-)v … “FT Island” “에프티 아일랜드” “ft 아일랜드” 이홍기 “lee hong ki” “mnet …

selgomezradiosupport asked:

go there for the info www.arrivelounge.com I uploaded this in case people have trouble viewing it at their site and it freezes. The site barely launched so not all features will be available so check back soon I suppose! SGR~ Ok I don’t mind if people take my videos just credit me ok everybody lately has been taking them without credit. It takes time to upload stuff you know. … Selena Gomez Sears Arrive Lounge Clothes WOWP Wizards Alex Russo rock Band Try Out Pop hip hop auditions dance sing …

Michael asked:


I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a good card to go with that has low interest? Heck if you have any credit tips it would be helpful too…Thanks!

redeyefredeye asked:


She has went bankrupt twice and there is nothing i can do about it. The credit report is in both of our names because the state requires it. You cannot stop her from getting credit cards and ruining your credit unless you get a divorce. I dont have a credit card and on my credit report there are 16 credit cards with 4 in default? I am sick.

mrmagoo312 asked:

Music by Sesame Street and Lemon Demon (Neil Cicierega). Video by Sesame Street and wattamack4. Lovingly combined by me. FOR ALL THOSE WHO DOUBT THAT THE SONG WAS MADE BY LEMON DEMON (NEIL CICIEREGA): trapezzoid.livejournal.com I’m just trying to give credit where credit is due. … sesame street count lemon demon neil cicierega fuck unnecessary censorship

boydikai asked:

^_^ PLEASE READ: I do not own these pictures in any shape or form, they were taken from Google Image searcher and Deviant art. Credit goes to fire-doused from deviant art. I deeply apologise if I offend you by not putting your credit there, as I would like to I cant find who made most of them. if you wanna subscribe click this: uk.youtube.com … zelda windwaker link twilight princess ocarina