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eluke wants to know:

I have some bad debt on my credit report that is older than 10 years. How can I get them to remove it so it does not show anymore?

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Ms. Princess wants to know:

I am doing a (made up) business plan for a marketing class and i wanted to start a credit card company like; visa, mastercard or how the have the baby phat card. How would i go about doing that? I dont even know where to start, start-up cost, sponsors marketers advertisers, employees help me please. All suggestions welcome.

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BlackDahlia wants to know:

I don’t understand why if you give a bank money up front, and that’s your limit on the card, why they have to pull a credit report? Is there any way around? The reason I don’t want a report pulled is I’m trying to raise the score, but it’s already been affected negatively by too many inquiries.

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dboyy26 wants to know:

I have two credit cards with debt of 7,000 with both cards combined. Is there a way that I can combine those credit cards and lower the payment and pay them in one lump sum? I just want to get rid of these cards so I can move on with my financial growth.

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ersan b wants to know:

I preferably need a studen credit card (to build up my credit-seeing as how I do not have any line of credit). I just need to know which credit cards/student credit cards instantly approve/deny you or at least you find out some sort of answer within a few hours.

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hydra1970 wants to know:

What impact does closing credit cards have on your credit score?
I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

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achyled wants to know:

I’ve heard both… my teacher said having a lot of credit cards will lower my score. But I also read that part of your credit score is based on the formula

how much you owe/ total credit , so in that case having more cards would be better. I have 7 cards and I only use 2 of them. Should I cancel my other cards?

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Ro’ wants to know:

I read I can put a comment on my credit report, but I don’t know how. Can you please help and give me some direction?

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Carstopper wants to know:

I have an account on my credit report that is charged off. Do I leave it alone or try to pay them. What is going to happen to the account if I leave it along?

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cindasl wants to know:

I have a few personal credit cards and I want to consolidate them. I also am self-employed, but I dont’ have a business credit card; although I get LOTS of ads for them in the mail. I’ve always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to spend a certain amount to keep them?

Any advice appreciated…

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butterfly_lavender_dove wants to know:

I am doing a dependent verification form for financial aid at my school. My mom gave me her tax transcripts:( I am trying to find the earned income credit on the transcript. Is it under payments on the transcript? I really need some help on this one:)

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Dr. Butt, CPA wants to know:

I am the co-signer with my mom when we financed a car from Honda. It lasts for 5 years. I am trying to pay it off in 2 or 3 payments within 1 year to avoid having to pay the high 9% interest rate. By doing this, how will it affect my credit rating? Will I have better credit if I pay it off throughout the 5 years?

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Edward G wants to know:

I have several credit cards that have annual membership fees required. But I do not use them and have no plans on using them in the future. I’ve been told that if I cancel these cards that my credit scores will suffer because of the cancellations. Is there a way to cancel these cards without causing anymore danage to my credit scores?

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metro7 wants to know:

Just had a major surgery and racked up some major credit card debt while being out of work. Just looking to see where I could start now that I am going back to work.

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eyaljosch wants to know:

I want to advertise a product via the internet, for the international market. It can be bought only by a Credit Card.

Therefore I would like to know, per each country in the world, how many Credit Cards are there, or: How many Credit Cards per resident in each country?