kindloveone

Well you know equifax has the score power, they guy showed me how to use it, and t will tellyou what your score will be if I paid off my credit cards in one month. It cost me 10.95.

How does all this work? I have a key bank application and it ask for a personal guarantee. Is there another applicaiton? Now they told me to get loans and lines of credit, they would have to have a local bank in my area. I have two citi business cards for both my businesses and I would love a keybank card for both. I have the home depot mastercard. Where do I go to get the no pg? I have a high experian and dnb score and been in business 5 years and over 12 companies reporting on dnb and 5 on exp .

A store did that to me once. They would not let me do a debit either. They said they did not know if it was me because the business card did not have my name on it They looked at me like I was trash. The manager came over and said the same thing. I have never been through that I did not shop there for years after that had happened. I did not know I could have complained.

I had a 640 on equifax a 650 on experian and got a private student loan from sallie mae. They are not as strict, see they also count your income. They said they match your income with your credit report and the fact you have to pay interest back while in school.

I was late on my student loan in 2003. I went through times of hurricane in Mississippi and now living in Louisiana. It was Hurricane George, and at the time I stayed in a Mobile Home. Things just were never the same since then. Well I dropped out of school, I was having health problems. When I dropped out I tried to file for economic dificulty, but had problems. I DID FILE LIKE 4 MONTHS LATE. NOW IT IS AFFECTING ME TODAY AND ALL THAT HAPPENED IN 2003. I tried to dispute it so many times. I might just have to wait till that falls off my credit report. I consolidated the student loans hoping that things would help and my credit score went down. I did not know that my student loans were a part of credit history. I think that is so wrong how when an account is closed it no longer applies to credit. Well can someone tell me what to do. will I have to wait till 7 years is up, which will most likely be in 2011 or 2010. Let me know what I should do.

I AM GOING TO HAVE TO DO THAT, I JUST THOUGHT OF SEARS AS REVOLVING, AND NOW I FOUND OUT JCPENNY IS THE SAME WAY, SO I DID NOT USE THE CARD YET.

I am so happy for you. With such a low score you should be very also, this girl got a 22% interest with a score like yours. You are lucky. I hope that you pull up your score and do really good for yourself in the future.

Hey, I got the Sears business card with a 6000 limit. I was so happy. I did not know it was a net 30 card though. I know some people have posted here about the CARDS BUT THEY DON'T MENTION ITS A NET 30. I did read some older post, nowwwwwww, that said that it was a net 30 card and now I just got some things for my business and its due in 30 days. I was planning on paying it over 3 months. that is why I used the card. I have a Citi Business card, but it does not have the option for balance transfers. I don't know what to do. I need a credit card I can pull that off and put it on a card. Anny suggestions.

I apoligize about starting this. I was just making the statement about allot of people here. I have meet over 200 people that are always talking about how they wish they had an American Express. I used to teach at school and kids were thinking that if you have the card, they will be like rich. American express sued Visa, Mastercard and Discover for offering deals that made their cards hard to sale. They did win the law suit because of the monopoly laws. I am not as fortunate as others, I work hard at my business and yes, I would love an American Express, but they way they send me all those applications and then turn me down once a year for me being late on student loans 4 years ago is crazy. They gave me a merchant account, but no credit card. http://home3.americanexpress.com/corp/pc/2004/lawsuit.asp Now look at that link and see if that is right. Mastercard and Visa gets sued because they offer better deals than American Express. I am trying to stay on the topic. The guy wants an American Express, I just want him to know what they are really about.

I do not want to start with Chase, chase will not give me anything. I am on strike against chase. Even when my credit was good, Chase would not give me a card because I was late on payments on my student loans which was in 2003. That is why I don'tlike student loans like talking about. I am glad they are there, student loans just break up your amounts in different loans. Even though it comes from Sallie Mae, they put it all on separate accounts on the credit report. I don't mind doing a personal guarantee. Its not that bad. I just need to pull my score back up. I need to find a credit card I can consolidate all my credit cards with. I have a citi business, but they said they do not have the option of balance transfer on my card. Equifax told me that I could have a 660 to 680 if I just pay off my credit cards. I have not been late in anything within the last 5 years. I do have a paydex of 80 and have been in business for 5 years.

You all have been sweet, thank you. I really like the last two, and I love the others. Wamu just helped my cousin, but they don't work in the state of Louisiana She has bad credit and they helped her with an office, lease, credit card and line of credit. She had all her paperwork and they did not personal guarantee it. I think its a Christmas thing they did.

O my gosh, I want to put a strike on American Express so bad. So many African Americans here in the south want an American Express and get turned down, and they they go to the colleges and give their children one. I think that is so crazy.

Well I been watching CNBC and they are talking about the state of Michigan so bad. I am in Louisiana and they talk about us, but they are trying to get more people to use them here and they are not here so why use them.

You are right. Thank you for telling something like that.

I would do an IRA with that much, and used only like 10 grand of it in a regular savings. Then put like 100 a month in the IRA. You also can get mutual funds, but that is kind of risky the way the economy is doing. Why don't you contact that lady on CNBC that has that show. She has an email to help people decide what to do and its free. Just looked it up, Suze Orman, she also has a website, look her up. You could also contact Jim Cramer, but He is a trip.