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Yahoo Answerer wants to know:

I want to make a new years resolution to pay off my credit cards, and I want to close them out to make sure I don’t get tempted to use them. Will that look bad on my credit score if I close them out, when they still have a balance? Also, do they carge extra for doing that? Thanks for ANY advice on this!

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Scagli3tti wants to know:

I called my credit card company and they said they mailed the credit card on Tuesday (1/15). When should I expect it to arrive at my home and do credit cards take longer to ship than standard first class mail?

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chickey wants to know:

My boyfriend and I want to get a place together. He has bad credit and I have basically no credit. How can we get an apartment? Is it possible? Any advice would be appreciated! Thanks!

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James H wants to know:

I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.

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lmg wants to know:

I know that an old account will be deleted from your credit report 7 years from “last activity”. But what is “last activity”? Last payment? Last purchase on the credit card? Last contact with the company? Do the 3 credit bureaus have different definitions? Or do companies and collections have different definitions?

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Sharilynn wants to know:

I opened a new charge account but the credit limit is not as much as i had hoped it would be for what i need to buy. What is the quickest way to get them to increase my credit limit?

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J24 wants to know:

I have two credit cards, luckly only totalling about $1,500. Im a college student and used them for books. They are under collection and i still have the oppertunity to pay them off, which i am planning on doing anyway. BUT they are still going to be on my credit for the 7 years right? And If i pay them off, will it improve my credit rating atall, will they show up as paid off on my credit report? Or will paying them off do anything atall since they are so overdue.

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hot01integra wants to know:

I am married, work full time and a full time college student. I was wondering what the tax break or credit in va is for this. I cant seem to find it anywhere thanks.

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MamaDrama wants to know:

I am a newly wed and my husband and I recently moved in with his parents in order to save money for our own home, however, money is not the only problem. Both of us have challenged credit. We know that those companys that claim that they are able to eliminate your bad credit are scams and that is not the way we are tring to go. Any sound advice that anyone has to offer would be greatly appreciated.
Thank you.

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Nikita wants to know:

I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a condo in the next couple of years. My good accounts (rental, club, cable, cell, etc.) have not reported my good credit. So how many cards should I take out that will help boost my credit score but not hinder my credit. Thank you!

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stlsigma2 wants to know:

Or are they refund credits also like Earned Income Credit?

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is4176 wants to know:

I have a collection item on my credit report for $245, I have paid it already. How can I remove it from my credit report? Is it better to talk to the collection agency to remove it or directly to the credit bureau? Tnx!

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kenny9678 wants to know:

I’ve owned 2 credit cards for approximately 5 years and now have student loans to pay off as well around 30k. What or where is the best place to get a credit check done? How easy is this and can it be done online? And once you have it done once is there a company that will provide anymore future checks for free?

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Punky Do wants to know:

My daughter-in-law just left on a trip with the children. She left my son with a note telling him about $75,000 of credit card debt that she has run up during their marriage. He had absolutely no idea that these charges were made. We suspect that she was giving money to her sister and family. Perhaps they even signed for the purchases. Is he going to be responsible for this debt? He is planning to separate and eventually divorce.

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ecolink wants to know:

We are traveling from the United States and want to be prepared. Are credit cards accepted at most restaurants? Shops? Hotels?