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  • Archive for February, 2009

    How to pay off credit cards enrolled in a debt management program?

    Saturday, February 28th, 2009

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    Rachel wants to know: I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay [...]

    How do I remove derogatory accounts off my credit score after they have been settled?

    Wednesday, February 25th, 2009

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    Anthony M wants to know: I have 3 derogatory accounts on my credit score. I have settled them. They were charge offs and I settled them through a collection agency. Is there any way to remove these accounts becasue I think they are absolutely killing my credit score. Also, they have not been reported as [...]

    How do you go about cleaning up your credit and upping your credit score?

    Tuesday, February 24th, 2009

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    amandabaskins82 wants to know: My credit score is 549, because of personal loans and some other small bills I didn’t pay when I was 19. Now that I’m older and what to be a home owner what do I do to fix it? Its almost been 7 years but I was told that the 7 [...]

    What’s the best merchant service for processing credit cards online?

    Tuesday, February 17th, 2009

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    Victor A wants to know: I want to be able to accept credit cards. Take down my clients card number and be able to charge it online w/out a card reader. I also don’t want to use paypal or goggle. And the rate should be the same for personal cards as well as business credit [...]

    Is it better for your credit to have several credit cards with moderate limit, or one card with a high limit?

    Monday, February 16th, 2009

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    shooter 1 wants to know: I have zero debt. I also have several credit cards. I am wondering how it will affect my credit to request the highest limit for each card, or if I should cancel all but 2 and have those with high spending limits. Along the same lines, how does “available” credit [...]

    How many credit lines does the average person need?

    Saturday, February 14th, 2009

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    Miss Dee wants to know: My credit score is in the mid 700’s; I have zero credit card debt and would like to boost my score up to the 800’s for future use.
    I recently got a new credit card with the credit line of $10,500.00 (which I don’t intend on maxing out). Will this one [...]

    How many credit cards should you have to get the maximum fico boost?

    Friday, February 13th, 2009

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    Alex L wants to know: What is the ideal number of credit cards to get the best possible fico score. I don’t have late payments on my mortgage or credit cards. Thanks for the help

    How can I buy concert tickets without a credit card?

    Thursday, February 12th, 2009

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    Skeletal Lightning wants to know: Is it possible for me to buy concert tickets without a credit card, and, if so how? I don’t have a credit card cuz I only use debit.

    What is this 8k tax credit as a first time home buyer ?

    Friday, February 6th, 2009

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    John P wants to know: Can someone explain in lay man terms as what exactly is this 8k tax credit for first time home buyer.
    If I am a first time buyer , salaried with 60K/year,planning to buy 190K home for the first time in my life
    Does it mean that government is giving me 8K from [...]

    What kind of Credit Card processor should i use to accept credit cards at an arts and crafts fair?

    Sunday, February 1st, 2009

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    Teartin wants to know: I’m going to have a booth at an arts and crafts fair. I’m not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks
    How do i get the wireless equipment free?