Credit history

Marcelino, I trust you had a good Memorial Day observance, and apologize for just getting back to you; as being closed for two days and with the shortened work week, we are scrambling to get caught up. Having said that, to answer your questions, the credit reporting agencies (CRAs), Original Creditors (OCs), and Collection Companies all have 30 days to respond to a consumer's dispute. However, the bureaus can extend this period for an additional 15 days, if additional information has been…

Introduction Billcutterz.com started in May 2009 when Barry Gross was analyzing his mortgage bill with wells Fargo and seeked his friend who was a banker Mindy Niles. She explained and analyzed the bill and found out that he is paying $181 for private mortgage insurance which was required when you take a loan and there wasn’t any equity on the property. It’s been 3 years he been paying and with his negotiating skills he called the lender and was able to save $ 181 per month which is about…

Plagiarism is using consecutive words or more from another author and taking the credit for it. Plagiarism is done if a person does not cite where the information was retrieved. Quotations used from different authors or websites should always be cited, so it is clear that the writer recognizes where the source is coming from, otherwise, it is considered plagiarism. The Internet contains a variety of information and “it’s possible to believe this information is just out there for anyone to take”…

of plagiarism is “the practice of taking someone else’s work or ideas and passing them off as one’s own” Plagiarism is hurtful to both the person plagiarizing and the creator of the content. It hurts the creator because they aren’t receiving proper credit for their hard work and creativity. It’s hurtful to the person plagiarizing because they aren’t fully solidifying the matter they’ve been learning into the brain and they may face serious consequences. It’s especially problematic in college…

Jonathan Lethem, the author is demonstrating how people call the plagiarism or not, and he is also showing his point of view on adopting ideas. Plagiarism is the practice of taking someone else's work or ideas and passing them off as one's own. In his essay, In the Ecstasy of Influence, he explains that influences and sharing ideas give creativeness. Lethem quotes “Finding one’s voice isn’t just an emptying and purifying oneself of the words of others but an adopting and embracing of filiations,…

Does your credit score need improvement? Here are 10 ways that you can improve it: Have Errors Corrected You should know what your credit score is. Canada uses both Transunion and Equifax as credit reporting agencies. That is why it is a good idea to compare the two. You may have to pay a small fee for your credit report. However, the small investment you have to make will be well worth it. Look over your credit report and make sure it does not have any errors. Report any errors that you find…

Credit first began in 1910 and first appeared in the Sears catalog. 1950 was the birth of credit cards when Frank McNamara established the Dinner’s Club. Years later the Bank of America offered the BankAmericard and later changed its name to Visa. In 1986 Sears created a store credit card and quickly became the most profitable division. Today we buy everything on credit while parents and grandparent bought almost nothing on credit and thought it was a bad idea. There are two different types of…

Dr. Shakespeare Credit score & credit bureaus Made by the Fair Isaac Corporation, FICO is the best-known credit scoring framework in the United States. In view of the data in your credit report, your FICO score is figured utilizing unpredictable, restrictive equations that measure the measure of obligation you convey in respect to your accessible credit, the auspiciousness of your installments, the kind of obligation you convey, and a considerable number of different components to allot you a…

better. There are five different elements that make up your score, and they take into account both positive and negative information in your credit file. Another important thing is that some are weighted more heavily than others. Let’s take a look at each: 35% payment history Some of the most critical information in your credit report is your payment history - do you pay your bills on time? While getting behind can put a big ding in your score, getting back on track and re-establishing a…

financial position, they instinctively want to avoid filing for bankruptcy at all costs. Therefore, they seek out the advice of a nonprofit credit counseling agency which will help to create a debt management plan. Is this something you considered? A debt settlement is an attempt to pay something less than what you originally agreed. When you use a nonprofit credit counseling agency, they will attempt to negotiate on your behalf a debt management plan with reduced or no interest, stopping or…