Notes

What if she Hates Jet Skis?
In addition to avoiding excessive available credit, you're limiting your exposure to identity theft. If worries about identity theft and financial fraud are keeping you from paying bills online, consider a disposable transaction number. While the FCRA allows these types of multiple credit inquiries that are within seven to 14 days of each other to be counted as a single inquiry, you would have to be careful of your timing to make sure you don't have multiple inquiries show up. These inquiries are considered soft inquiries and do not show up on any version of the report except for the version you get. These inquiries don't show up on the reports that lenders see, and therefore don't affect how they view your credit. Debt in relation to income - If you have unsecured credit card debt that is more than 20 percent of your annual income, lenders may not want to give you the best deal on a loan -- if they'll take the chance and give you a loan in the first place. You have to call or write to the card company and ask to close the account. There's a reason you call that hunk of metal in your garage your baby.

Each of these groups must have a "permissible reason" to view your report, and their inquiries count as hard inquiries. This waves a big red flag and indicates that you may be financially strapped for some reason. There's information there that may seem innocent to you but not to potential creditors. However, the Associated Credit Bureaus (now the Consumer Data Industry Association) sponsored its own study in 1991, and this study reported that less than two-tenths of 1 percent of credit reports contained incorrect information. Inquiries that are older than six months may not be looked at as strongly because if you actually set up the loan or opened the credit card account, those accounts would now be showing up on your report as well. The newer inquiries might lead the lender to think that you actually have the credit accounts available now but they haven't shown up on the credit report yet. Large rear wheels in newer models help turn the mower more easily, and push-button electric starters eliminate the tedious task of pulling a recoil line to get the mower going. Going more compact is also the way of the future for single-family homes, for both economic and environmental reasons.

Make sure you don't let the car dealer or mortgage broker run your credit unless you know you're going to be buying from them. Also, watch out when you are car shopping or mortgage shopping. Open credit accounts - Another thing to watch out for as you gather all of those free mugs and duffel bags is that even though you may have forgotten about them, accounts you don't use still count toward your total available credit. They have a set of criteria that they use to screen consumers in order to come up with a list of potential customers. Other types of inquiries, such as your own requests to view the report, employer requests to view the report and requests by marketers to get your name in order to sell you something, count as soft inquiries. Inquiries - Every time you apply for a credit card to get a free travel mug, duffel bag, or T-shirt, you are adding another hard inquiry to your credit report. Cutting up the card or just not using it doesn't mean the account is closed. Even if you do pay off the account at a later date, the charge-off or collection action stays on your report for seven years.

The same goes for accounts that creditors have turned over to collection agencies or charged-off -- meaning that they've written the account off as a loss. You should always make at least the minimum payment, or consolidate accounts to reduce your payments. But other than that, close the accounts you don't use. The precursor to the modern online banking services was distance banking electronically and by telephone since the early 1980s. The term 'online' became popular in the late 1980s and referred to the use of a terminal, keyboard, and TV or monitor to access the banking system using a phone line. They use these lists for their marketing efforts. Maxed-out credit lines - Another thing that scares lenders is a maxed-out credit line (or two). Because they're only trying to determine your integrity by seeing how you repay and manage your debts, they get a different version than lenders get. When potential lenders see these inquiries, it may wrongly imply that you're either in some financial situation where you need a lot of credit, or are planning to take on a large debt. For example, if you have a maxed-out card but have other cards that haven't reached their credit limits, you might consider moving some of the debt from the maxed-out card to the non-maxed-out ones. Morena Maori


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