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1st Service Credit Union

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Crystal Said:

What are the advantages or disadvantages of using a credit union v. a regular bank?

We Answered:

credit union advantages: better service, low ATM fees, cheap cashiers checks.

disadvantages: you have to pay for checks, low interest rate on savings, hard to find branches everyplace you travel.

I have credit union account and also number of online bank savings account.

i would recommend online accounts like HSBC direct, ING direct and many more for savings. just open a savings account with HSBC direct and link that to your credit union account. transfer the money you wont be using to HSBC online so it gets better interest rate (4% - 6%) depending on promotional periods but always greater than 4%. min balance; $1

you can also use GMAC bank online account. you need a minimum balance of $500. better interest rate than credit unions. also you can use their atm card in any credit union ATMs . No fee either way. if you use their card in other private bank ATMs they dont charge any fee but the private bank might charge. but GMAC refunds you up to $6 every month in other bank ATM fees.

if you have more than 5K and dont want to invest in retirement you can use www.e-loan.com great savings rate and can transfer money from and to your bank free online.

John Said:

When are pay days for Service Credit Union in March 2008?

We Answered:

it would not make any difference - you really should not touch the funds until the 1st or 15th!!!

Lloyd Said:

What is the difference betweena credit union and a bank?

We Answered:

No. 1: You belong
At a bank, you are a customer. At the credit union, you are a member, and you belong.

Members can be connected through a place of work, worship, residence, or through family. A field of membership determines who can join each credit union. However your credit union is structured, all members have some kind of shared connection with each other just by belonging.

No. 2: The credit union works for you
As a credit union member, you don't just belong, you own part of your credit union. And you don't have to sit in a stuffy board room every day.

Credit unions take an active interest in local affairs.The credit union employees work for you—to ensure you're satisfied. Their primary goal is to make sure all your needs are met, and they actually enjoy what they do. Employees get more satisfaction out of their work when members are happy with their service.

No. 3: You pay lower interest on loans and earn higher dividends on deposits
Banks consistently are among the most profitable companies in the world. They are in business to make money for their shareholders. Whereas credit unions are not-for-profit organizations and any profits are returned to you in the form of lower fees, higher dividends, and improved service. Credit unions typically charge fewer and lower fees than other financial institutions, according to the Credit Union National Association's (CUNA) latest fee report. CUNA is the trade association for credit unions nationwide. Overall, credit unions have better loan rates, too.
No. 4: People, not profits, are the No. 1 priority
A bank's top priority is making profits for stockholders. That usually doesn't bode well for your banking experience—or your wallet. Members—not money—are the credit union's most valuable asset. At the credit union, you're much more than just an account number. You are a member—and an owner. Credit union employees know their members and often greet them by name. That's a huge difference from megabanks, where you literally are only one of a million customers.No matter your account balance, you have one vote, which means it's not those who have the most money who are running the show.No. 5: Your money is protected at the credit union
You've heard of the FDIC, which insures accounts at banks up to $100,000. The National Credit Union Share Insurance Fund (NCUSIF) insures federal and many state credit union accounts up to $100,000. Retirement accounts are backed up to $250,000. If a credit union is not backed by the NCUSIF, it often is insured by a private insurer. Contact someone at your credit union to find out what kind of account insurance it offers.

Credit unions are regulated by the National Credit Union Association (NCUA), an independent agency of the federal government. The NCUA supervises and charters federal credit unions. State-chartered credit unions are regulated by a state regulator.

At the credit union, everyone eligible is welcome.No. 6: Credit unions can help you make better financial choices
Whether it's buying a car or home, building an emergency fund, or planning retirement, you can turn to the credit union for the facts to make wise choices.

Part of the credit union philosophy is ensuring that members understand financial options. To that end, credit unions offer seminars, newsletters, and print and online financial resources (such as Home & Family Finance Resource Center®, which you're reading now) to help members gain a deeper understanding of financial matters.

Unlike financial predators who try to dupe consumers into thinking there's only one choice, credit unions show members the gamut of choices available for a financial service. The people at your credit union can help members learn the skills to make informed decisions among these options.

No. 7: Credit unions are for everyone, including the Little Guy
Credit unions were founded on the idea of members pooling their money and lending to each other. Credit unions are for all people, especially those who traditionally have been underserved. The Federal Credit Union Act of 1934 states that credit unions were established, "to make [credit] more available to people of small means..." Today, credit unions still follow that idea, serving everyone—from the elderly on small, fixed-incomes to single mothers to well-to-do families. At the credit union, everyone is welcome.Members—not money—are the credit union's most valuable asset.No. 8: Convenience
Credit unions are located in most communities—including regions that other financial institutions choose not to serve. They offer many or all of the same services banks do, but credit unions focus their attention on individual consumers.

Although your credit union may be only one branch, credit unions have formed alliances to offer you more convenience in a cost-effective way. For example, there are credit union co-op networks of ATMs across the country that charge low or no fees. Each credit union has its own system, so ask the professionals at your credit union where you can use your ATM card for free.

Many credit unions also offer online banking and bill pay, so you can conduct your financial transactions wherever you have access to a computer, at home or halfway around the world. It doesn't get more convenient than that.

As a credit union member, you don't just belong, you own part of the credit union.No. 9: We listen to you
As democratically controlled institutions, credit unions give you the opportunity to make suggestions and vote for the board of directors and for other policies that can improve your credit union experience. If you want to, you even can run for a position on the board of directors. But you don't have to be a credit union big-wig to be heard. No matter how large (or little) your account balance is, you have one vote, which means it's not those who have the most money who are running the show.
No. 10: Your credit union is a part of your community
Credit unions take an active interest in local affairs. Whether it's sponsoring local community events, working to educate all consumers about better ways to manage money, or offering discounted tickets to local sporting events, credit unions strive to make a positive difference in their communities. Credit unions also work for the sustainable development of communities.

Most banks and CU's wont let you have an account if you have an overdrawn accoiunt at another one right now.

Bessie Said:

I have turned 18 Should i get a bank account or should i get a Credit union account?

We Answered:

There is no best bank or best bank account. Every bank offers several accounts with different features. Some accounts waive all fees if you maintain a minimum balance. In the case of Bank of America the minimum balance to avoid all fees is $5,000. Other accounts have a monthly fee, but no fee on each transaction. Other accounts have no monthly fee, but a fee for each transaction.

Some banks have a large number of ATMs which you can use without a charge. Other banks have a charge for ATMs.

I suggest that you visit several banks. Find out the features and charges of each of their accounts. Find out how many ATMs are available, and whether there is a service charge for using the ATM.

Make sure you get everything in writing. Do not accept anything the customer service person tells you verbally.

You build credit by paying your bills on time, keeping your credit card balance low and paying the credit card off fully by the due date, and avoiding large debt relative to your income.

Kyle Said:

Can a credit union do this legually?

We Answered:

Just because they messed up and didn't cancel the debit card right way. Gives them no right not to issue another debit card, it may be against MasterCard and/or Visa policy. You could actual report the bank to them. They could lose the right to issue any more MasterCard and/or visa debit cards and be required to close current ones with 6 months.

I would go to another bank myself. Try to find one that does not do Credit Check for either their checking account or check/debit card.

I would go to the bank and tell them if they won't issue a new debit card. As soon as my checks clear. I will be closing my account. Be nice. You don't want to get thrown out. If you know what checks/ACH charges remain. Take out all but the leave about $1.00 plus their service charges-if any.

Then when you checks clear. Hard close your checking account. Make sure you put that in writing. So they can not come back at you later. Saying you allowed a charge to go through.

    1st Service Federal Credit Union

    Tommy Said:Can someone explain to me what a Credit Union is? Also, it is an advantage vs. a bank-wamu?We Answered:A Credit Union is a tax-exempt non-for-profit financial institution that is chartered either by the federal or state government that provides banking services to all persons who are eligible to be members of the credit union. To qualify as a member of a credit union, you generally have to fall into one of the following categories: (1) A resident of the city/jurisdiction that the credit union is located in (2) A family member of a credit union member (3) An employee of the credit union As...

    Advanced Credit Services

    Marcus Said:AFS Advanced Financial Services?We Answered:I'd be highly suspect of any company that mails you offering to help out. There's plenty of legitimate companies in your yellow pages if you really need help.Marion Said:Can I get a cash advance using a credit card from a bank other than mine (chase)?We Answered:If it says Visa or MC then any bank that does Visa or MC can handle it.Ethel Said:Can we debit Service Revenue and credit Unearned Service Revenue in adjusting entries?We Answered:Is there any Liability Account related to Revenue in your list of accounts? If not maybe you have to create...

    Affiliated Credit Services

    Juanita Said:Is it legal for a teacher to make a religious extra credit assignment?We Answered:Depends on whether the class is mandatory, whether the school if public or private and the purpose of the assignment, and whether the assignment is mandatory and what country you are in.Johnny Said:Someone keeps giving out our 800 number, what to do?We Answered:I agree, don't change your business number over this. First, see if your phone company can remove the charges for the wrong numbers. You should not have to pay for someone else's irresponsibility. Next, see what your phone company can do to stop the calls....

    American Credit Counseling Services

    Marsha Said:Whats this Seattle City some boycott Seattle pays American Traffic Solutions to operate red-light cameras at?We Answered:hopefully, Starbucks will start to see their revenue drop and put some pressure on the Seattle city council to mind their own businessDiane Said:CCCS - Bank Settlements/Agreements?We Answered:I work for a credit counseling agency. What you are talking about is a debt management plan. Usually we have pre-existing arrangements and it really depends on the credit card company as to what they have agreed to reduce (payments, interest, or both). I would suggest you talk to one of our counselors....

    American Credit Services Inc

    Megan Said:"Let's Move On" or "Let's Move Forward" Is code for let's not dwell on the truth? As in the case Rev. WrightWe Answered:Very good post. What you have stated needs to be heard by all. I for one think that if Obama was elected as President of the United States his upbringing would prejudice his decisions towards race and would not be for the benefit of all Americans!Felix Said:Why the Wealthiest & Most powerful Men on earth are Mexican-Americans or Mexican Illuminati ?We Answered:Dude, why is the Best Mexico has to offer, Lebanese Ancestry, Slim letting 12-30 million of...

    America Credit Card Services

    Robert Said:How to fix relationship FIA Card Services/Bank of America?We Answered:I would just go to another bank. If they did not impact your credit report, you can open an account with another bank. There is no need to try and fix anything with BOA. They have their own internal requirements and credit is tight now so the requirement are tighter. Just because they are mad at you does not afffect you at all.Denise Said:credit card question-Bank of America service?We Answered:If it is unauthorized charges on the card -- who cares if it's family or not, they can be...

    Annual Credit Report Request Service

    Rafael Said:If I requested my credit report, and I still HAVENT got it, HOW DO I CONTACT SOMEONE TO TALK TO PERSONALLY?We Answered:Request a free copy of your credit report WITHOUT acknowledging that you applied previously. That's the easiest way to do this. Another way would be to Google "free credit report" and apply to more than one of the companies offering your desired service. There are three primary rating agencies and many companies purporting to make their information available to you---for a fee, of course. But the promotion is a freebie and you shouldn't have a problem getting one. Len...

    Annual Credit Report Service

    Esther Said:What is annual credit reports phone number?We Answered:You can contact your Congressperson or Senator. The annual credit report is a service mandated by Congress, and the credit reporting companies that administer the site only provide those services that the law requires or that they think will be profitable. A live person is not required by the law, and would not be profitable, so they do not provide it. They will add that service only if Congress changes the law to require them to provide that service.Derek Said:annual credit report cancel service question?We Answered:AnnualCreditReport.com gives you online...

    Associated Credit Service

    Stella Said:Money Handling,Credit Cards, Customer Service,as a Sales Associate?any tips?We Answered:Practice your English. Oddly enough, listening to American Talk Radio will help. Try to understand what they are saying. The more exposure you have to English, the easier it will be to understand. Remember, there are only a limited number of questions people can ask of any one store. You will get the gist quickly. If the store does not have a training program for credit cards etc. they are idiots. You should go slow the first few weeks. You will find you know the difference between the different...

    Associated Credit Services

    Julia Said:how can I talk to a real live customer service person associated with PayPalPlus credit ncard?We Answered:Is the office closed? I get the recording when the office was not open. Try again tomorrow at 10amRaymond Said:has anyone out there used hargrove and associates credit repair agency? does it work?We Answered:Don't pay someone for something that you can do yourself (unless you got money to burn.) You can contact the companies yourself and have it cleared up, set aside an hour or two over the weekend, see what it is that needs to be taken care of. if...

    Bankers Credit Card Service

    Vincent Said:How bad is the customer service/banker rep job for credit card companies?We Answered:Any job is as good or as bad as you make it. Benefits and a paycheck does a lot for me personally to offset smuffiness from other people, even a boss. I've never worked in a call center, per se, but my sisters do collections and they love it. Yeah, you'll get cursed out, but realize that it isn't personal. There's a lot of turnover in places like this, which means you can actually advance fairly quickly, and hey, nothing wrong with having...

    Best Credit Counseling Services

    Stella Said:Which one of the credit counseling services is the best/honest? I know some of them charge large fees. Thanks?We Answered:Think about who you use. Alot of these agencies get the creditor off your back by managing and giving them a minimum payment every month for you. Some say it takes just as long to pay threw these as it would be to claim bankruptcy. 7 years. From what it sounds like you have paid some off, GOOD JOB!! Try working with the charge offs if a third party collection is trying to collect ask them for a settlement amount...

    Best Credit Monitoring Service

    Justin Said:what is the best credit monitoring service to join to monitor and correct errors on your credit profile?We Answered:First, go to annualcreditreports.com. That is the official website set up by each of the bureaus so that you can get your free credit report once a year. Follow what it says re disputes. Re monitoring, I use Experian to monitor my credit. I am alerted whenever something is added to my credit report. I would use whichever bureau is most frequently used in your area.Vera Said:Who provides the best credit card monitoring service to prevent from...

    Budget Credit Counseling Service

    Pedro Said:How can I help a family with budgeting?We Answered:You don't want to reduce the minimum payment. If you pay less than the minimum payment, you will never pay off the debt. That's not an exaggeration either. The amount you pay interest will add up and you'll owe even more next month. You should be strongly encouraging people to pay more than their minimum payment, and as someone who is working in debt management I'm shocked you'd even suggest trying to drag out credit card debt even longer with how interest works. Reducing the interest rate can sometimes be as...

    Budget Credit Counseling Services

    Amanda Said:Advice for debt business?We Answered:People would pay $100. I think that is a completly reasonable price, your biggest problem will be marketing yourself to customers though. If you stick with it, I'm sure that your initial customner base will expand mainly through referals.Anne Said:What is the best debt consolidation/counseling service, or best rated one, that doesn't hurt your credit?We Answered:Hi, I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here: http://dwarfurl.com/7da651Brenda Said:Help, Credit experts! What do you...

    Budget Credit Counseling Services

    Alan Said:Do you know of any good, honest credit counseling services?We Answered:For starters, "credit counseling" will count roughly as much as a "home repossession" on your credit report. On top of that, the counseling agencies can't do anything you can't do yourself for free. What you really need is to take control of your own finances ... budgeting, trimming expenses, not spending money you don't have ... etc etc.Larry Said:What is the difference between Debt Consolidation and Credit Counseling? I have a place in mind that does debtWe Answered:Som debt consolidation/credit repair companies charge you fees and then trash your credit. ...

    Business Credit Card Service

    Wilma Said:How do an online business create online credit card transaction service for consumer's purchase?We Answered:Contact any merchant services company for credit cards. They will be able to help you out. You dont say how much sales you will have, but you can also use Paypal for occasional sales.Clinton Said:Is a credit card number really valid for a deposit on a service?We Answered:Most credit card companies state in their cardholder terms that if a consumer is not satisfied with any goods or services through a merchant they can dispute the charges and or have them reversed. Even with a...

    Business Credit Report Service

    Audrey Said:Will business debt accumulated under a sole proprietorship EIN number be assigned to my personal (SSN) credit?We Answered:As long as you never signed anything guarantying the debt of your failed company? You should be fine.Chris Said:Does anyone know how to get an account from a defunct company off a credit report?We Answered:A disconnected telephone does not mean that the company no longer exists. They may have changed telephone numbers. Less plausibly, they may be in business without having a telephone. Each person has at least three credit reports, one each with TransUnion, Equifax, Experian, and possibly other credit...

    Card Counseling Credit Debt Services

    Harvey Said:do credit counseling services really get you out of credit card debt,and how do they affect your credit ratingWe Answered:It depends on how bad you are now. Consolidating means creating a whole new loan for a longer period of time. This would hopefully lower your payments enough so you can get back on track, in this case it might SAVE your credit score. A credit counselor will give you some tools and suggestions for reducing your payments, just keep an eye on what the % are, you want it to be lower than what you pay now. However, debt consolidation can be...

    Card Credit Debt Reduction Services

    Craig Said:How does credit counseling and companies that offer debt repayment programs work?We Answered:I'm sorry your in debt but you have taken the first step. You have admitted you need help. Contact www.nfcc.org & set up an appointment to get help. They can help you set a budget & pay off your debt honestly. Good luck!Lance Said:What is a debt reduction service that you can recommend in Queens or Long Island, New York that is honest?We Answered:try http://homegear.com/r/?q=23126094&r=887 Shawn Said:Are there companies that can negotiate a reduction in my taxes and credit card debt?We Answered:Most of the tax settlement firms...

    Cbc Credit Services

    Kay Said:question about collection agencys what are my rights?We Answered:I'm sorry your going through this unfortunatly this is a common tactic of these collection agencys. They will buy the credit. Even if its been paid, and sometimes they will buy credit that has already been resolved. I got a call on a resolved bill from 7 years ago. They just want the money and they will get nasty to get it. The mistake you made was calling the company. In the future if you get a notice like this don't panic and call the...

    Cbt Credit Services

    Joel Said:what are the requirements for a pawn shop business?We Answered:It will depend on your county, but you will most likely be required to get a license and post a bond. In Missouri, for example http://www.moga.mo.gov/statutes/C300-399… a pawnshop operator would need the following: 1. a pawnshop license 2. must be of good character without any felony or misdemeanor convictions 3. investigation fee 4. post a bond In Illinois http://www.obre.state.il.us/cbt/PAWNBROK… , you need to apply to the state's Department of Banking to start your pawnshop business. While it may not be the same as your state, check the link to get information on the requirements. For example,...

    Civil Service Credit Union

    Rhonda Said:Which of the following was a result of the Selective Service Act?We Answered:d,b,c,d,d,b,c,b,a,d,a,d,d, b,a,b,b,c,b,c,c,aMegan Said:In the USA, could this form of socialism work?We Answered:I don't understand this. So no.Julian Said:Pension and mortgage advice needed urgently?We Answered:H Trevor I'm probably the wrong person to contribute advice really because my philosophy is to live for today and enjoy life while you have it. Today you need some help; when you are 65 perhaps circumstances will be different but I'd cross that one when it raises its ugly head; times are hard right now (well actually they are not if you have...

    Clean Credit Report Services

    Toni Said:I want to clean my Credit Report legally.?We Answered:Go with the below companyByron Said:Has anyone used the credit agency CCRS (Clean Credit Reports Services)? Are they good or a waste of money?We Answered:DON'T GO WITH THIS COMPANY!!!!!!!!!!!!!! The customer service is poor(very).I am currently involved in a dispute with them and am trying to get my fees back which they said would not be a problem. I am collecting documents and plan if I am not refunded to sue. You have to do all the work yourself the only thing that they do is write the letters which...

    Commercial Credit Counseling Services

    Erin Said:Consolidated credit counseling Services Inc. are they worth it?We Answered:Oh my god, don't do it. If your APR is going to be raised, call the card issuers and complain. If they don't agree to keep the card at the current APR, threaten to cancel the card. If you choose a consolidation service, you will be tied up for years. Absolutely all credit repair can be done by you. Dispute and ask for validation from all creditors. Check you SOL timelines and make sure they can't sue you for anything. He** i'd rather...

    Commercial Credit Counseling Services Inc

    Danielle Said:How does this work anyway?We Answered:PRE-POLITICAL EDUCATION: Palin: University of Idaho. B.A. in Journalism Obama: Occidental College,Columbia University,Harvard Law School- B.A. in political science and international relations. Professional Doctorate (J.D. or Juris Doctor) magnacum laude from Harvard. PRE-POLITICAL EXPERIENCE: Palin: Winner of the 1984 Miss Wasilla beauty contest, 2nd in the Miss Alaska pageant. Won "Miss Congeniality" award for playing flute. Breifly a sports reporter for KTUU-TV in Anchorage. Also helped her husbands commercial fishing business. Obama: 4 years at New York Public Interest Research Group, a non partisian political organization. 3 years as a community organizer on the south...

    Commercial Credit Services

    Everett Said:Question about a credit card commercial?We Answered:American Express Card http://www.youtube.com/watch?v=PBJYcYAlyRaul Said:Anyone else upset at this commercial:?We Answered:I guess I do not understand why you think those with good credit should not be rewarded as opposed to those who have shown a total like of responsibility. Not rich but I can pretty much buy anything I want and with cash but i choose to use ny credit cards as they were intended by paying them off at the end of every month that way one does not pay any interest at all. Your interest rate is in your hands regardless of...

    Community Service Credit Union

    Jeffery Said:Can an employer "require" employees to "volunteer" time for community service?We Answered:An employer can require employees to participate in business-related events and marketing activities, assuming that it is part of your job. If you are in a management capacity, it is most definitely a requirement to promote the values and benefits of your organization as a representative of management. Community involvement is one of those items that can be used as an incentive, but should not necessarily be used as a detrimental item on evaluations. If it is explicitly stated that you are required to perform these duties...

    Consolidated Credit Service

    Guy Said:Do consolidated credit counseling services really work?We Answered:Yes but only if your creditors agree to work with them.Ronnie Said:Have you had an experience with Consolidated Credit Counseling Services, Inc.?We Answered:it works if you continue with the payments & pay the maintenance/administrative fee. the concept is great & it works. i couldn't make the monthly but i've done an another workaround (without them) using the same idea & it works. contact me on how i did it personally.Sharon Said:Will using a credit counseling service to consolidated your debt have negative impact on your credit history?We Answered:Yes it...

    Consumer Credit Card Services

    Sonia Said:Why is GE Money Bank credit card services at it again?We Answered:If you don't like them, use somebody else. I don't have these problems, so, not everybody is doing it.Nathan Said:Are you getting harassing phone calls from this credit (card) outfit called Consumer Services?We Answered:Tell Latoya that this is a government office and she shouldn't be calling. That way, she will mark your number as invalid. Telling her you are not interested marks you as a good phone number. Or act really retarded when she calls. Have fun with it. There is a government number you can...

    Consumer Credit Consolidation Services

    George Said:Going to use Consumer Credit Counseling Service...?We Answered:It will show on your credit file that U are in counseling but it also shows U may have got in over Ur head but have made arrangements to resolve Ur situation. U will not be able to use the credit cards that U include in the service(keeping 1 out for emergencies is a good idea) but they are also being paid on.At least U are making an effort to correct Ur circumstances and not filing bankruptcy. For everything that is included the company of your choosing will contact all of the...

    Consumer Credit Counseling Services Non Profit

    Armando Said:I am looking for a reputable consumer credit counseling service in central FL. Any recommendations?We Answered:Consumer Credit Counseling Services is the largest and oldest non-profit counseling service in the nation and has offices in all major cities. You can contact them at 1-800-388-2227. I used them several years ago and they lowered my interest rate & monthly payments. I was debt free in 36-months.Annette Said:What is the best credit counseling company?We Answered:Consumer Credit Counseling Services: http://www.nfcc.org/. These are legit non-profit companies that offer free credit counseling. They can look at your finances and advise you how to set...

    Consumer Credit Counseling Services Ohio

    Alan Said:Best place to receive credit counseling in Columbus, Ohio?We Answered:Consumer Credit Counseling ServicesChristy Said:Payday Loans !!!!?We Answered:I worked for a payday loan company for 8 years and this is a story I have een too many tiimes. Payday loans can be helpful if used in the right way and VERY infrequently. The problem is that it quickly spirals out of control. If you ask these places to stop calling you at work, they have to or you can sue them. That would be the first step I would take. Tell them not to call...

    Consumer Credit Counseling Service Inc

    Lillian Said:I am looking for Consumer Credit Counseling ?We Answered:I am in the same boat. Low Cost services I have found depending on each situtaion are below: http://www.cccs.net/ http://www.cccsintl.org/ http://www.cccsatl.org/ http://www.cccs-inc.org/ Also the local phonebook under debt, &/ or counseling hope this helps......... Take care, LaurieGilbert Said:Has anyone used Superior Debt Services Inc?We Answered:The answer above is to check out Consumer Credit Credit Counseling Companies. You will not find a Debt Settlement/Consolidation company using that link. there are a lot of companies out there that are not doing any services for the consumers. I have been a client of Superior...

    Consumer Credit Counseling Service Nj

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    Consumer Credit Counseling Service Non Profit

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    Consumer Credit Counseling Service Of America

    Eileen Said:Has anyone negotiated any type of assistance on their credit card balance with Bank of America?We Answered:Having worked for a credit card issuer for 10 years I know that the principal balance is rarely if ever negotiable. You charged/spent the money, you need to pay it back. Future fees and interest could be waived, but your best bet to do this would be to contact a Consumer Credit Counseling Service in your area. Bank of America and most creditors will work with them to get their principal paid back. The downside would be they would...

    Consumer Credit Counseling Service Of Delaware Valley

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    Consumer Credit Counseling Service Of Southern New England

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    Consumer Credit Counseling Service Wa

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    Consumer Credit Services Inc

    Jacob Said:pakayas.com yahoo store a ripoff scam?We Answered:That's why I say always check out a site through www.who.is first before committing to purchase anything, and use a safe form of payment such as a credit card or paypal so you are covered. Now, on www.who.is, there is only a phone number for Domains By Proxy, since the registrant is private for this site. To me, that is a red flag. Don't know if that phone number will help you, it is 480-624-2599. Good luck. As far as Yahoo hosting the site, they just list sites, they don't check every one....

    Consumer Credit Services Of America

    Miguel Said:Recession and excessive consumerism vs. reduced consumer spending?We Answered:the two things are different phases of the same cycle "excessive consumerism" inflates the bubble, creating a boom reduced spending deflates it, creating a recession. It is a bit like mood swings - first you get over-excited and get your expectations up, then reality kicks in and brings you down to earth.Courtney Said:Is Consumer Credit Services of America a reliable bankruptcy service?We Answered:Check out the links I've provided. Two of the links are from the BBB. Two of the links are from the RipOff Report. The last link is from the FTC in what to...

    Credit Bureau Collection Services

    Christian Said:Can collection agency report you to credit bureau AFTER payment made?We Answered:You won't get anywhere with NCO. Copy all of your information and dispute the account. Fax all of the information to the credit bureaus as proof they reported the collection AFTER it was paid. They can't do that and it's a violation of their contract with the credit bureaus. What NCO did is a new tactic that credit bureaus are not going to "play". They get an account in collection and don't report it to the bureaus...that way they can use that as leverage to collect from...

    Credit Bureau Service

    Marion Said:Does anyone know how to repair credit without paying for a service?We Answered:First, it would help to know what makes up your score: 1. Payment history- 35% 2. Total debt owed to avialable credit ratio-30% 3. Length of time establishing credit-15% 4. Types of credit established-10% 5. Inquiries and New accounts-10% Now, with that out of the way, here's your plan of attack. First, you should open a checking and savings account if you haven't already. This equips you with a means to pay bills and to manage your money. Also it establishes and develops a relationship between you and the bank which can help get...

    Credit Bureau Services

    Jessie Said:I use three different programs to check my credit scores, why are all three scores different?We Answered:Each credit bureau houses its own version of the basic FICO algorithm. On top of that, each bureau has access to slightly different sets of data and compiles it in a slightly different way. Think of this - on any given day, the snapshot of your credit file will vary - based on usage and payments. This means that your Utilization (balance/limit) will fluctuate - and it is a key driver of your score - so your score will be...

    Credit Cards Service

    Carolyn Said:how to add ordering/paying service using credit cards into ur website?We Answered:the best way for a small business is thru paypal. it is free to setup and paypal is a name people trust.you can set up add to cart buttons, shipping, quantity tracking. very nice. the other alternative which costs money is your own setup checkout system. which most people wont trust unless you have an SSL certificate, which costs money to set up. also this system will require extensive php and scripting knowhowChristina Said:How do I contact yahoo to get one of my defunct credit cards off...

    Credit Card Debt Consolidation Service

    Sylvia Said:Are there any online debt consolidation services that are worthwhile?We Answered:I have been trying this for the past year and it has not worked for me. So I think they are a waste of time with too hefty of fees. But that may be because I am jaded with the process. I have to declare bankruptcy now from trying to use one of these settlement places.Eileen Said:What is the best way to pay off my credit card debt?We Answered:There is no magic answer. Income minus expense. If you dont have enough money to pay off your bills, you need to earn...

    Credit Card Debt Reduction Services

    Yolanda Said:What can I do about my huge credit card debt?We Answered:Joca; Based on the amount of your debt ($30,000), the fact that you are not working, and the fact that you have no funds to make monthly payments, here is what I would suggest... Debt settlement. A debt settlement (or debt negotiation) company will work on your behalf to reduce the actual amount of debt that your creditors are willing to accept in order to dismiss your debt. Once you hire them the also deal directly with your creditors and get them off your back. No more 20 phone calls a day. Once you...

    Credit Card Payment Service

    Tracy Said:How long does it take for my credit card payment to be processed?We Answered:I'm actually willing to bet that the portion of your order that is being processed is the actual inception of your service rather than the transaction itself. Depending on what services you purchased, there are certain things that the company you paid for hosting services has to do to get your URL up for you to start uploading to. The transaction itself should have been authorized immediately even if it was not settled. When a purchase is made with a credit card it is usually immediately authorized...

    Credit Card Protection Services

    Dwight Said:Do I lose my money on a credit card repayment agreement?We Answered:Failing to keep your end of the bargain will cause them to make you pay the full amount you owe again. You will get credit for the $200 you already paid, but they will probably start assessing additional late charges and other penalties that could explain them showing a larger than $400 balance due. Call them and ask if you are getting credit for the $200 and why you don't owe just $400 at this point.Jessica Said:How can I prepare myself for possible identity theft?We Answered:Your...

    Credit Card Services Canada

    Peter Said:Who can tell me a Canada Mail Forwarding Services ??We Answered:http://www.mailnetwork.com/Curtis Said:Is it possible to get credit card if your under 18 in Ontario, Canada? If so which companies offer the serviceWe Answered:you can get prepaid credit card with your parents permission. if your parents are ready for it, apply online at: http://www.credit-card-gallery.com/PrePa and get instant approval.Kristin Said:How can I sell online to Mexico (from Canada) without using a credit card.?We Answered:Hey, you can use money orders... if not try this... get a mexican bank account.-.. get payed there (bank deposit, electronioc transfers, etc) and then wire transfer your...

    Credit Card Services Corporation

    Toni Said:Why are so many financial companies based in South Dakota?We Answered:This is a regulatory issue. North Dakota has the weakest anti-usury laws in the nation. As a result, creditors love to be based in ND so that they are able to raise interest rates to higher levels, even when the account holders are in other states.Morris Said:If money is a form of free speech protected by the Constitution, isn't withholding payments also protected?We Answered:It would sure be an interesting argument to put before the Supremes. Hopefully it would bring about a repeal of that ridiculous decision.Cynthia Said:xbox live...

    Credit Card Services For Small Business

    Marc Said:What is the best credit card processing service for a small growing business?We Answered:I would see if there was a way to work with pay pal... if they had a way to call over the phone to confirm... you wouldn't have to use a machine. These credit processing companies rip off small business. Do your homework before picking one... and don't get into any contracts.... if you can help it. Watch the fees and percentages... be wary of machine leases.Katie Said:What is the best small business bank in Northern California?We Answered:Wells Fargo, B of A or USAAIrene Said:How much does it cost for...

    Credit Card Service Bureau

    Melvin Said:What is a good, legit and cheap website to monitor the 3 credit bureau's?We Answered:Experian does the three alright!Andre Said:Cancel your credit card before you die......(hilarious!)?We Answered:Lol - yes I can actually imagine that happeningLena Said:Credit card company is reporting my account as discharged through bankruptcy?We Answered:""I had no balance on the card,and should be a positive accountI"" f the account was included in the bankruptcy, and the credit bureaus are reporting it as discharged in bankruptcy, and it shows a zero balance,, it is being correctly reported, If the account had a zero balance, you didn't need to include...

    Credit Card Service Center

    Jesus Said:Why is Equifax not reporting my information of credit history?We Answered:Hello, I had this happen to my wife. Here is what I did. There was nothing to dispute because they where not reporting anything. Called the CC companies and asked for letters of credit showing she had paid her bill timely and was never late. Also make sure they right what your credit limit is in the letter. Send that to Equifax and they will add it for $10.00 per CC or trade line. Yo can also ad a 100 word consumer statement to your report. I would state you have AAA credit...

    Credit Card Service Companies

    Ian Said:what is the best way to keep track of talk with Customer Service Agents of Credit Card Companies ?We Answered:Keep a written log of when you called (date and time), who you spoke with, what department they work in, and what extension they can be reached at. Also keep notes of important aspects of the conversation. If you are trying to resolve a specific issue, you might be able to request a reference number so that you can call and ask for a status on your issue in the future.Tonya Said:Recommend your Credit Card for Customer Service...

    Credit Card Service Company

    Mario Said:If I work for the credit card merchant process service company what's the percentage of commission I should geWe Answered:This question is not very direct and it is hard to answer. Are you an ISO of a company? If so many people start off with a 50/50 residual and the company may move them up as there portfolio grows. If you are just an affiliate, they usually earn anywhere from 5% to 20% of the residual. If you are just a salesmen then you usually receive anywhere form 50% to 100% of the commission after...

    Credit Card Service Fee

    Mark Said:Can a restaurant pull money from your check in order to cover their credit card bills without asking employees?We Answered:No. The tips are part of your pay. They can't take your pay without your permission.Phyllis Said:I work in the state of Florida, my employer is deducting credit card service fees from my tips is this legal?We Answered:The best option for you - compare different credit card offers, for example here - cards.hotusa.org Some of them provide much less service fees.Ron Said:Made Visa credit card sales totaling $7,500. A 2% service fee is charged by Visa. Record the sale...

    Credit Card Service Fees

    Tracy Said:anything I can do about CHASE credit card fees?We Answered:First try going into the local branch if you have one near you. They might be able to do something. Plus the staff who work in the bank are always more helpful than someone working an 800 number. If not, call again and ask to speak to a supervisor. If the person asks why, politely explain that you don't want to explain it twice and that you need a supervisor. Tell the supervisor that since they won't waive the fee that you're considering dropping the account. ...

    Credit Card Service Provider

    Enrique Said:Is there a list of Canadian IVR hosting providers that offer Credit Card to user billing options?We Answered:try visiting http://www.xekom.com may be u can find one there. I think it doesnt matter in which country u host ur web site. All that matters is whether the web hosting service provider is good or not...anyway good luck.Eleanor Said:what is the difference between beit card and credit card and which service provider is better.?We Answered:I think you mean debit card... The debit card allows you to spend only that much which you have in the bank. The credit card allows you to...

    Credit Card Service Providers

    Kim Said:How does Electronic Payment network service providers like VISA, MASTER CARD make money?We Answered:Credit Card issuers like VISA and MASTERCARD and the issuing bank gets a percentage of the transaction. Say you bought some clothes for 100 US dollars, the bank that issued the credit card will pay the merchant/store 96 dollars, keeping the 4 dollars. This is an example only - the percentage varies. Usually stores generating a lot of transactions is assign a lower percentage.Fernando Said:How do you arrange a credit card payment on your website?We Answered:You have a couple of options. Many Internet...

    Credit Checking Services

    Beverly Said:What is the official site to get the free credit check service?We Answered:if you are looking for the free credit check usa national site, check out this site http://Free-Credit-Check-National.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Greg Said:Credit Checking Services for Landlords?We Answered:Here's information from MrLandlord (http://www.mrlandlord.com): http://www.mrlandlord.com/html/creditfaq No, I have not used this service personally. However, I know other investors who have used it, and say that it's good. (I'm not an "affiliate" or anything; just passing on what I've heard.) Hope that helps.Howard Said:I need a website offering business's credit score...

    Credit Counceling Services

    Carolyn Said:Debt consolidation through a counceling service versus chapter 13?We Answered:Approach debt consolidation loans with skepticism While a loan to consolidate all of your debt into a single obligation is appealing and may have a lower interest rate than credit card interest rates, make sure that you can really repay that amount. Understand clearly the term, interest rate, and fees associated with the loan. It may be that even lowering the interest rate does not make your present debts manageable, it just postpones the day of reckoning. Find out whether the loan will pay off over the life of...

    Credit Counciling Services

    Kent Said:Debt Advice?We Answered:Lots of poor, uneducated answers here! For starters, working with credit counseling is NOT the same as a consolidation loan. Credit counseling will hurt your credit, but not nearly as much as a bankruptcy. True, you could file for bankruptcy and qualify for a house in two years.....but that assumes that you are filing for a Chapter 7. If you are a wage earner making more the the state allowance, you will not qualify for a Chapter 7, but instead be placed into a 13. You will be put on a 3-5 year payment plan to...

    Credit Counseling Services Of America

    Nancy Said:Any opinions on Credit Counseling Centers of America in Peoria, IL? Or any couseling service?We Answered:They lower you interest rates on all you credit cards to 9.9 % instead of the default 32.24%. Which drastically bring down you minimun payments. They also keep you from receiving additional late fees or over the credit limit fees. Usually about $39 each, so $78/mo. But let's say you minimum monthly payment is $250, and it is already 60 days past due, and if your credit card company accepts a proposal from consumer credit counseling services (cccs) for $50, the...

    Credit Data Services

    Daisy Said:Does the IRS cross reference their data with the dept. of Social services?We Answered:You said "She is planning to file for 2007 even though she is not obligated to do so." That is incorrect. She might not owe any income taxes. However, she is obligated to file a tax return, because that $12K is subject to self-employment tax. The IRS would already consider her actions to be fraud.Sandra Said:where can one become an ISO for credit card processing withouth going thru First Data and paying $10,000?We Answered:You can't become an ISO/MSP without paying the fee. That $10,000...

    Credit Data Services Inc

    Katie Said:Can someone give me some input on my resume?We Answered:I am good at resumes from a couple of decades of practice. Understand that your resume is the device that is intended to get you the interview. I recommend the following and we can correspond more at cadelarge@yahoo.com if you like. 1. Organize your resume around transferable and relevant skills first, then around work history on a subsequent page as employers are buying your skills not your work chronology. 2. Group your bullets by transferable skill as listed in the job description of the position you are applying for. Employers are interested...

    Credit Help Services

    Frances Said:How will credit counseling services affect my credit rating?We Answered:From experiences I have heard, most of the people I talked with hated it. Payments kept being late and creditors kept calling. In the end, their credit was worse off than before, just without the debt. Your millage will vary.Micheal Said:is Wescot Credit Services Ltd still running?We Answered:Yep one of the largest debt collection firms in the UK, still regretably going strong. They tend to work on a strict diary basis pretty sure they will contact you in the near futureBernice Said:Any credit counseling services that deal with payday loans?We...

    Credit Information Service

    Bryan Said:where can I find rates service charges information for using credit cards oversea?We Answered:That information is located in your credit card contract, which you received with the credit card. Card issuers often change the terms of the contract, in which case they send you the new terms with your credit card bill. If you lost your contract (many people throw it away), call the card issuer and ask them for a copy. They can also answer this question by phone.Lewis Said:Does anyone have any information on a company by the name of A Professinal Credit Service?We Answered:BEWARE - there...

    Credit Info Services

    Minnie Said:is yahoovoice services's a secure website,when i give u my info,like credit card number,address is it secureWe Answered:Always before giving personal data look at the task bar for the padlock. The padlock indicates a secure connection. No padlock no security.Agnes Said:Every time I try to update/delete my credit card info to pay my for Yahoo services I get this error??We Answered:Hi.. Hey this is something that you need to contact the Yahoo! Support guys. You can contact Yahoo! billing team on +1 866 8008092 option 2-2. They work Mon to Fri 6 am to 6 pm Pacific time. This...

    Credit Management Services Inc

    Dwight Said:What does this tell you about our presidential candidates?We Answered:I'll answer your question with a question. What do all these people (listed below) have in common? Answer: All of these current or former Presidents, Vice-Presidents, CEOs, Directors, etc. of these well known banking institutions are also current or former members of the Council on Foreign Relations (and many are also current/former members of the Trilateral Commission and have held high-ranking positions in government). I've only listed last names through (partially) those starting with the letter "K." The entire list can be found here: http://www.nndb.com/org/505/000042379/ *Emily Altman, Morgan Stanley...

    Credit Monitor Service

    Katie Said:How long does it take a credit monitoring service to discover a new account has been opened?We Answered:The credit reporting monitoring service will usually notify you of activity in a short time frame say 24 to 48 hours, check the FAQ on the credit bureau monitoring service where you signed up. A new account can take 60 to 90 days to appear on your credit report. Many lenders submit there updates from the prior month in the first week of the new month. http://www.aboutmycredit.com/Ron Said:Is there a decent credit monitor service online?We Answered:Try privacy matters or true credit. you...

    Credit Protection Service

    Kelly Said:how can I get a free credit report without needing to sign up for a credit protection service?We Answered:http://www.annualcreditreport.comDwayne Said:Does being enrolled in a Credit Monitoring service get you more easily approved for credit cards?We Answered:It just tells you when an inquiry is made, or something got added, or deleted.Grace Said:do i need credit card fraud protection? My stupid card service is saying i need it to protect me?! WTF?We Answered:If someone steals your card and uses it, as long as you follow the proper procedures you will be protected for anything over $50 and in some instances the...

    Credit Protection Services

    Catherine Said:How safe are credit protection companies or id protection companies?We Answered:A reputable company is safe. Howevever, many of them merely monitor your account, There's a lot id theft lately and it can cost a lot. I found the best site for ID theft protection services that not merely monitor your account, protect your id before it's too late http://best-identity-theft-protection-usa.blogspot.com/Cindy Said:Identity Protection Services - can someone suggest the best site?We Answered:if you are looking for the best identity theft protection service, check out this site http://best-identity-theft-protection.net They provide the best service in usa, and you can get your 3 in 1...

    Credit Rating Service

    Jesse Said:If I cancel my current cellphone plan to sign with another service, will this effect my credit rating?We Answered:No.. I wouldn't think changing your plan will effect your credit. As long as you are paying your bills.. you are building up the credit. It doesn't matter where you are paying.. as long as you are.Elaine Said:What is the best service to use to find a home loan with the best interest rates w/ average credit rating?We Answered:The best resource for these kinds of referrals is a good real estate agent. A good experienced agent will know the good companies...

    Credit Rating Services

    Linda Said:Is there an honest rating of consumer credit counseling services out there?We Answered:Yes, and it's from the FTC. If you mean credit repair services, then the FTC says that they are all scams. They make suggestions on where to find legitimate companies and such. Just beware. You can't find too many sources that will be as good as this paper for an honest rating....

    Credit Reporting Service

    Ruby Said:Which credit reporting agency does Directv use when you apply for service?We Answered:There is no way to tell you, quite frankly. Directv is big enough that they probably use all 3 and just cycle through them depending on which region of the country you are in. You could try to call them up and ask them, but if you do it, do it anonymously. And Average Joe is completely wrong on two counts: 1. It is FAR more common for your credit score to be different across the three credit bureaus than it is to be the same. This is...

    Credit Report Monitoring Services

    Delores Said:Do I have to sign up for a credit monitoring service to get my credit report?We Answered:No. Go here: https://www.annualcreditreport.com/cra/i…Pearl Said:using TripleAlert Credit Monitoring service- Reports go through on Frozen Credit?We Answered:For staters, you do not understand what a credit freeze is. It prevents NEW accounts being opened unless you unfreeze to allow the new company to pull a credit inquiry. Credit freezes do not prevent creditors from reporting negative information. Secondly, cancel that monitoring service. It is a complete waste of money. Considering the folks in India haven't been able to answer your question, should show...

    Credit Restoration Service

    Theresa Said:What is your opinion of any service that offers credit repair?We Answered:Be very careful when you get these emails...in general if it seems to good to be true it most likely is. There are legit credit repair programs out there BUT, they are not as helpful as they seem. The best way (there is no easy way) is to pay down they card or account with the highest interest rate or APR first. Then go down the line until you have your debt paid off. Then to repair your credit keep a balance on your cards but keep it...

    Credit Restoration Services

    Clinton Said:I'm considering using a credit restoration service.?We Answered:I did it all myself. ANYTHING these places will do, you can do for FREE. These places are a waste of time and the valuable money you need to either payoff, or fix any outstanding items. Do some homework on credit repair!! If it sounds to good to be true it probably is. Once you learn the ins and outs of credit, you will be set for life, and be educated for future credit decisions. If you pay someone else to do it, what would you learn?? Nothing. Everything that...

    Credit Services Company

    Caroline Said:Does anyone know of any Credit Clearing Services company?We Answered:If you really want to repair your credit as badly as you say you do, then the first step is to avoid credit repair services. They don't do anything anymore special than you can do on your own. The first thing that you need to know that knowledge is power. In order to fix your credit, you should know how your credit is scored and how it affects you 1. Payment history- 35% 2. Total debt owed to avialable credit ratio-30% 3. Length of time establishing credit-15% 4. Types of credit established-10% 5. Inquiries and...

    Credit Service Company

    Eugene Said:Is there a Wireless Phone Company that offers service to people with little credit,but without a big deposit?We Answered:Metro PCS- Unlimited Calls and Text and no annual contract....

    Credit Union Card Services

    Nicole Said:I received a credit card offer from Union Workers Credit Services how legitimate is this? Any complaints?We Answered:Union Workers Credit Services appears to be a legitimate company. Annual fees are not unusual. If you received an offer in the mail, look at the back of the paperwork. Credit card companies are required by law to disclose the terms of the agreement. It is very likely that your rate is only good for a short time and it would require you to make all payments on time or you would lose the rate. If there is...

    Credit Union Family Service

    Pauline Said:can anyone help me get into navy federal credit union?We Answered:no sorryNora Said:what was the civilian population's reaction to increased governement powers during ww1?We Answered:Try asking each question separately, you may get more answers.Stacy Said:Where can i get a car loan easy?We Answered:If you don't have good credit you have to pick the loan not the car. Unfortunately, that's the case for many people. You have to go to a buy here pay here place or Ford will finance people with low credit. I took the Ford option and got a good car with a great...

    Credit Union Family Service Center

    Lawrence Said:Should I file for bankruptcy?We Answered:I think you need to rethink the idea of your wife working. Maybe she could get a job nights/weekends while you can provide free child care. I don't think bankruptcy will help a whole lot. Your student loans will not be forgiven in bankruptcy, and the car (which I assume you need) will require you to reaffirm that debt and payment to keep it. Same with the house. All bankruptcy will get rid of is your credit card debt, and it is 10 years of hard damage to get...

    Credit Union Services Inc

    Catherine Said:im looking for union workers credit services/inc in dallas,tx75356-8963?We Answered:I found this information about Union Workers Credit Services: http://www.ripoffreport.com/view.asp?id= http://www.chicagoteamsters.org/news/200 http://www.ripoffreport.com/reports/ripo And this alert from the Better Business Bureau: http://www.accessmylibrary.com/comsite5/Kim Said:i recieved this e mail the other day and they claim to be yahoo and told me i won 1,000,000.00.......im forwanWe Answered:It's a SCAM Delete and don't replyClaude Said:Personal Loan Online, I am trying to figure out if this company is legitimate? need some other opinions???!!?We Answered:Money up front = Scam. Run, don't walk in the other direction.Justin Said:Is NJC INC. financial services legitimate?We Answered:It's a sales tactic- I don't evenm know what it...

    Credit Union Service Center

    Lillie Said:I received a mail from yahoo splash awards center that I have won GBP 420,000. Is it correct?We Answered:It is without a doubt.. a scam. You sensd off any money.. you will not recieve your payout. If you did not enter into any sort of competition, then you have not won any money I'm afraid. Celebrations are over.. you're not rich anymore. Sorry to break it to you. Delete the email. Do NOT send any personal information.. it's likely that yor info will be used fraudulently....

    Credit Union Service Centers

    Marvin Said:How much should I sue this car dealer for?We Answered:Tell them in writing, that they have 1 week to fix it right. If after that 1 week is up and the lite still comes on you'll take it to a shop of your choice and send them the bill.Dolores Said:is that a scam? I did not send any application for green card lotery but received this. Please advice?We Answered:There are many Nigerian scams that are showing up nowadays. Please read the following carefully: I can guarantee you that if you listen to these punks you will lose every bit of...

    Credit Watch Service

    Georgia Said:Can anyone tell me how to find out my credit score by purchasing it? I am willing to pay a small fee for it...We Answered:You can get a free credit report once a year through this link. Then you choose which of the 3 companies. You get one from each place, I usually get them at different times of the year. Then it gives you an option to pay for your credit score, which i think is $5. Just be sure to read everything because they do offer the monthly watch, but you don't have to get it.Mario Said:Question about...

    Credit Watch Services

    Gina Said:anyone use a credit watch service such as equifax credit watch? Is it worth the cost?We Answered:I use Experian Triple Advantage http://bestcreditcardratings.com/credit-Danny Said:Which is the best credit card i can watch out for?We Answered:i use hdfc but citi n icici are also good...its important u keep ur card verified and never defaultElaine Said:Why does credit scoring differ from two or more different websites?We Answered:Hi Speeqtruth, The three are: Empirica Score from Transunion Beacon Score from Equifax Fair Isaac Score from Experian the closest you can for accuracy is a trimerge report from a lender or another company that regularly needs to pull credit for...

    Csc Credit Service

    Gabriel Said:I don't have any credit. What's a good safe way to start to earn credit?We Answered:It took me years to get my credit in good standing. I tried to get a credit card and it took months before one would even give me one. If you don't know how to get your credit report, you are allowed 1 per year. If you have a letter of being denied already, copy and send it to each of these Credit Bureau's, these are the addresses I have, and you wouldn't believe all the crap that was on mind. You really have...

    Csc Credit Services

    Marlene Said:I seem this on my credit report and I do not know what this mean can anyone break it down to me.?We Answered:1. "Guarany" is a misspelling of Guaranty 2. "Tradeline Information: TXU Energy and Guarany Bank" means that you have, or had, an account at TXU Energy and Guaranty Bank, either now or at some earlier time. 3. "IF ANY ITEM ON THE CREDIT FILE WARRANTS AN EXPLANATION, YOU MAY HAVE A 100 CHARACTER CONSUMER STATEMENT ADDED TO THE FILE." means that, if you want, you can write something and have it added to your credit report. 4. "THE STATEMENT WILL...

    Csc Credit Services Inc

    Julio Said:Does anyone know of the list of or which employers or businesses offer 100% tuition reimbursement?We Answered:Listed below are some of the businesses that offer 100% tuition reimbursement but most of them will require you to be a full-time employee with a relevant major to your type of job. ABN AMRO / LaSalle Bank 100% up to $10,000 per year. Best Buy: 100% reimbursement for tuition Boeing - Full reimbursement (full tuition and books, any subject as long as it qualifies for college or continuing education credits, no cap on cost) Disney (Parks & Resorts...don't know about ABC or affiliates) -...

    Electric Service Credit Union

    Hugh Said:How can I build up my credit when Im only 18?We Answered:I have to make decisions everyday on whether to approve or deny people that apply for credit. If I had to give advice to people that are trying to start out building credit, this is the advice that I would give: 1. Open a checking account- While opening the account doesn't directly build your credit, it does create a relationship between you and the bank by being an accountholder. Banks love to cater to their preferred customers that have accounts in great standing by offering loans and credit cards....

    Family Credit Counseling Services

    Wesley Said:Here are another 7 debt eliminating tips?We Answered:what are the rest/ I need helpppppppppppppppppppppppppppppppp!!!Jill Said:Are there any companies that assist an individual with financial management at ground level?We Answered:Take a look in your local yellow pages and look for your nearest Primerica Financial Services office. Ask for someone to come and take a look at your persoanl problem(s), they will do this for no monetary compensation.Bruce Said:if i leave the country and live in canada, would i be chased for my debts?We Answered:Just file BKBarbara Said:Who Is Fed Up With The Divorce (machine) System? II?We Answered:I for one am...

    Family Credit Union Service Center

    Christine Said:What are my chances of getting into college?We Answered:Suggest targeting colleges in the greater Boston metro area as it is by far the largest concentration of college students in the country and fabulous area to spend four years in. Top schools in Boston area include: School Princeton Review Academic Rating Harvard 99 College of the Holy Cross 98 Boston College 87 Tufts 89 Brandeis 88 MIT 97 Boston Univ 84...

    Family Service Credit Union

    Joyce Said:What are the benefits of joining a Credit Union versus a Bank?We Answered:Credit Unions were created to be non-profit organizations to assist low-moderate income people who needed to get loans/banking services. To join a credit union you are supposed to have a common bond with other members of the credit union (e.g. anyone or their family who works for Boeing can be part of their credit union, any person and their family who works at the Pentagon can be part of the Pentagon Credit Union). To be a non-profit organization credit unions are supposed to distribute all of their...

    Fidelity National Credit Services

    Lena Said:I am 20 years old and am about to get access to 300k. What should I do with it?We Answered:At 20, you need first to educate yourself before you start investing. READ, READ, READ! Use the library, or read about investing online. Read Kiplinger's magazine, Money, or Simple Money. Put some of the money ($50-100,000) in the bank or credit union for safety (or Schwab Bank, deemed one of the "5 Safest Banks in the US" in 2008), then the rest in money market mutual funds to start. I would spread it among 3 institutions, like Vanguard,...

    First Service Credit Union

    Alice Said:What does it mean when a church has its own credit union?We Answered:If this is the first time you've ever heard of a church that has a credit union, then it tells me you aren't aware there are lots of churches that have credit unions across the US. It also tells me you aren't familiar with credit unions or the concept of financial cooperatives. The church does not make money from the credit union. Instead, the church sponsors the credit union so its congregation has access to affordable financial services. There's nothing wrong with a church sponsoring...

    First Service Federal Credit Union

    Ashley Said:Is my money in savings SAFER in a credit union or a bank?We Answered:Federally-insured banks in the US have insurance from the Federal Deposit Insurance Corp. (FDIC). Federal deposit insurance protects the first $100,000 of deposits that are payable in the United States. Federally-regulated credit unions in the US have insurance through the National Credit Union Share Insurance Fund (NCUSIF). Deposits are insured for up to $100,000 per insured account As of December 2006, the National Credit Union Share Insurance Fund had a higher insurance fund capital ratio than the FDIC Bank Insurance Fund.[40] U.S. credit unions also typically have higher...

    First Virginia Credit Services

    Brittany Said:i got ripped off by Irepairsquad.com what should i do is there any hope?We Answered:I would take your losses and get a ps3. You propably should have gotten the 360 at a Best Buy or another retail store.Arlene Said:Opinions needed please?We Answered:I would get some legal advice. Did you husband sign anything or was it a verbal thing over the phone? What are they going to do if you refuse to pay the bills. They will have to take legal action against you to get the money and that in itself would cost them more than...

    First Virginia Credit Services Inc

    Joseph Said:WHAT IS the full form of VISA?We Answered:1) As document: A visa (short for the Latin carta visa, lit. "a document that has been seen") is a document issued by a country giving an individual permission to formally request entrance to the country during a given period of time and for certain purposes (see below for caveats and exceptions) and usually stamped or glued inside of a passport, or sometimes issued as separate pieces of paper. 2) As Credit Card: Visa Inc. (NYSE: V), commonly called VISA, is a multinational corporation based in San Francisco, California, USA. The company operates...

    Free Consumer Credit Counseling Service

    Clifford Said:free consumer credit counseling?We Answered:No and yes. If you are committed however, you can raise your credit score yourself. Check out this link to help you with sample letters and a detailed outline. It's time consuming to do it yourself. An hour or two a day for a week or so then wait 30 or 45 days and do it again. After 4 or 5 months I raised my credit scores over a 100 points. Don't get frustrated. Get educated :) You need to get copies of your credit reports and see what its being reported and what your credit...

    Free Credit Report Services

    Dorothy Said:Free Credit Report Online - I need something free, instant and easy. What is the best site?We Answered:Hi, I've been using this free credit report online service - http://www.freewebs.com/free-instant-credit-report/ - for a few years now. It offers everything you have requested and I know they are easy and fast. Hope this helps and you get the result you hoped for:) JulieSusan Said:Why is it that none of the free credit report services are free??We Answered:I don't think you are looking in right places. Most say free but not free (you are correct), they just take your information to sell it to...

    Gateway Credit Card Services

    Emily Said:Accept credit/debit card payments online - do I understand the system?We Answered:write to Pay Pall they may advise you to the right source good luck mateNelson Said:How come that my payment gateway service did not prevent chargebacks in my account?We Answered:That's impossible to guarantee no charge-backs. If someone disputes the service/job/whatever, they have the right to be reimbursed prior to the issuance of a decision of the credit card companies. That's standard policy, and federal law. They mean charge-backs by credit card fraud.Tim Said:What asp.net code should I write to accept credit cards?We Answered:You should look into working with...

    Global Credit Services

    Brad Said:help with community service global extra credit?We Answered:You can work for a Big Brother/ Big Sister program. You can work at a soup kitchen. Community clean up or volunteer to help after school programs... such as AYSO or ask your guidance councelor to see if there were anyone in need of your assistanceJosephine Said:Has Anyone ever used the Global Trust Financial services?We Answered:If they are in Nigeria, there is a 99.999999% chance that they are a scammer. No legit lender requires an upfront fee.Harold Said:Why we are forbidden to use our own credit - merit - system ,...

    Harbour Credit Counseling Services

    Sonia Said:Has anyone had a problem with "A Fine Appraisal Service" in Hunt Valley MD?We Answered:THIEVES AND LIARS, SCAM COMPANY! Please read the following letter. These thugs lied there way into my house and then assaulted my wife. They are experts at this. I have been trying to get justice for 11 months. please, please, please stay away from these people, there are nasty, nasty, nasty. Thieves and liars: ASSAULTING PREGNANT MOTHERS AND MURDERING THEIR UNBORN CHILDREN IS ACCEPTABLE IN THE STAFFORD VA. I live in Stafford VA with my wife and children, ages 2, 4 and 6. In April 2008...

    Household Credit Card Services

    Randall Said:Has anyone with not so good credit ever gotten a personal loan from (HSBC) Household Services Bank Card?We Answered:A personal loan is probably a big jump especially from HSBC. Give it time and go try and get one of thier credit cards first, http://www.orchardbank.com/ccssa/OBCusto try getting that, its great for people with not so good credit, and people with no credt. its from HSBC so it will help establish a relationship with them, then from there you could talk to the bank about a personal loan. Hope this helps, sorry if it doesn't. good luckMildred Said:How can I keep the credit...

    Household Credit Services

    Ron Said:Survey: Did you ever receive Credit on any of your household bills for a shoddy service?We Answered:The 6.94 is more than likely exactly what 4 days service costs you, whcih is standard for a telecom services company to *offer* as a credit. You should call them and explain to them that it was a major inconvenience and that with "how often" these issues are occuring you just aren't going to put up with it. Tell them you want to cancel your service. Believe it or not they'll more than likely just offer you a reduced rate for 6 mos or...

    Household Credit Services Inc

    Josephine Said:I just moved from Massachusetts to California. Will my auto insurance/accident history get transfered?We Answered:Short answer: Yes it will. Long Answer: CLUE stands for Comprehensive Loss Underwriting Exchange, which is run by ChoicePoint Inc. in Atlanta. It maintains a claims database that insurance companies use to decide who gets auto and homeowners insurance and how much they pay. When it comes to auto reports, claims related to your vehicle or to your address show up on your CLUE report even if they have nothing to do with you. ChoicePoint says it encourages insurance companies to verify the information. If you plan...

    Internal Revenue Service Tax Form

    Alexander Said:We live in AZ. where do we send income tax rebate form. Is it UTAH?We Answered:hi there,information for you.. US Internal Revenue Services‎Address: 121 E Birch Ave # 403 Flagstaff, AZ 86001 (928) 214-3303 http://www.irs.gov/ best regards pops..Tara Said:What tax form do clergy file for SS tax every quarter?We Answered:You must file estimated tax if Federal and state income taxes are not withheld from your services as a minister, pastor or member of a religious order. You will be issued a W-2, but social security {6.2%} and medicare {1.45%} will not be withheld. Your board of deacons has probably voted as to...

    Internal Revenue Service Tax Forms

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    Internal Revenue Service Tax Help

    Roberto Said:Ways to avoid Internal Revenue Service Alternate Minimum Tax?We Answered:V. B. is mistaken about "make less money." While the AMT was INTENDED to strike super-wealthy taxpayers, its often called the stealth tax because it sneaks up on so many unsuspecting people. Indeed, it is by far one of the most dreaded provisions in the tax code. You're likely to confront the AMT, for example, if you make $100,000 or more a year -- or if you make $75,000 and write off such mundane things as state taxes and interest on a home-equity loan. The AMT isn't about...

    International Credit Card Service

    Beth Said:Whats the best auction payment service with credit card for foreigners that want to shop from Ebay?We Answered:If your EBay account is good, you may shop with sellers who accept major credit cards and international shipping options. If you're really desperate on long term options, you may use "help" or establish a "U.S presence". (1) Help (Ask the exclusive New Yorkers any help to purchase stuff for you) http://www.myusabox.com/Site/en/Shopping (2) "U.S Presence" (a) Get your own New York City address.($15/month) http://www.myusabox.com/Site/en/Home/ (b) Get your own USA telephone number (FREE for 3 years) http://www.groovytel.com (c) Get your own USA bank account. Since you do not have an SSN you'd...

    International Credit Card Services

    Stanley Said:Can i use POSB debit card to buy stuff over ebay?We Answered:Hi there, Your POSB Debit Card is a MasterCard right (if i'm not wrong)? I have Singaporean students who uses this card for both their eBay and Paypal account. If you want to make purchases over eBay, just make sure that you hv enough money in it. And make sure that your POSB Debit Card is linked to you paypal. Good Luck. Regards, Carol Fung Education Specialist Certified by eBay www.chiica.com...

    Internet Credit Card Service

    Charles Said:i'm wanna buy toys using ebay (internet service),but the transaction need a credit card,i dont hv one,so how?We Answered:Do you have a bank account? You can sign up for Pay pal, or you can go to the bank and ask them for certified USA fund check and mail it.Andrew Said:Can i use an internet relay service to activate my Capital One credit card?We Answered:yes i would have them use the tty number. it is ok if you can't type too fast the associate who takes the call as that particular type of call is auto routed to a person...

    Land America Credit Services

    Jim Said:Is this a good resumeWe Answered:Cathy, you shouldn't post all this personal information, you could've just put the bottom half and not the top. I think one thing the employer is going to ask you is why you can't stay at one job for more than a couple months at a time. Also, don't say I did this or I did that, have matter of fact statements as to what you did, like this... Bookkeeper - Payroll and payroll taxes AR/AP, Billing Collections Bank reconciliations Sales tax (IL, WI, FL) Also, proofread, there are several spelling mistakes. :)Enrique Said:Are...

    Merchants Credit Card Services

    Bryan Said:I want to target korean customers for my products. Is there a Korean/english merchant credit card services??We Answered:find and contact a korean business group and ask themCarmen Said:Hey Folks,Are there any trusted credit card merchant services ?We Answered:I hear YOU loud and clear serach yahoo or google for the best deal YOU can find to accept CC's and E checks I had one years ago but i didnt know how to advertise and my biz went kaboom service was sucky also wound up with 3 payments per month to 3 differnt sources YOU want ONE Credit Card server with...

    Military Service Credit

    Rick Said:Why don't liberals give President Bush the credit he deserves for his military service?We Answered:Wow, I actually thought your question was serious for a second!! You got me dude, you got me. Good joke.Jane Said:hannity tries to take credit for his dad's military service, so will sean's dad be waterboarded instead of him?We Answered:Hannity is nothing but a chicken and a wuss. At least another conservative radio personality, Eric "Mancow" Muller, had the guts to actually go through it, and raised $10,000 for the charity Hannity left high and dry when he agreed to do it. And he came through...

    National Consumer Credit Counseling Service

    Louis Said:what is a good credit card helping service?We Answered:. The FIRST thing you do is learn about the PITFALLS of these 'money lenders'. They'll rip you off in a heart-beat and then come after that heart! Info from BankRate, a good site: "...70 percent of Americans who take out a home equity loan or other type of loan to pay off credit cards end up with the same (if not higher) debt load within two years. Viale's statistics underscore a major problem with debt consolidation: It feeds upon the tendencies that got you in trouble in the first...

    National Credit Counseling Services

    Wallace Said:Financial Aid- Low GPA?We Answered:Your mom could take out a parent plus loan and set up the payments to come directly out of your bank account. Most parents qualify but you would be paying it back. The payments start after disbursement.Florence Said:Who is E Global Card Services?We Answered:I have never heard of the place, but I did try to search for them. I found what appears to be a legit website for eglobal business services, which has a card services division. I certainly don't trust any place online I go to unless I already know who they...

    National Credit Service

    Nicholas Said:How come McCain doesnt have a national service plan?We Answered:I have a feeling that McCain would rather be able to pay for his programs. Obama doesn't seem to worry about that side of things. Let's assume 1,000,000 kids opt for the post-secondary education credits (that represents only 12,500 full time equivalent volunteers nationwide each year of a four year presidency or 250 volunteers per State and yet it will cost $4B. Seems kind of a hefty price tag with no clear benefit. Let's not even think about the bureaucracy necessary to run such a program,...

    National Credit Services

    Gene Said:is the national credit report a scam?We Answered:You can get an annual credit report free by going directly to one of the 3 major bureaus, Equifax, TransUnion, or Experian. You can also purchase 'monitoring' services as you apparently have. The ones with which I am familiar did not update my reports when I knew that there had been accesses and changes made. Both services were cancelled and I now monitor my own reports. You can purchase additional reports directly from the 3 major bureaus for less than the annual monitoring fee.Yolanda Said:Is there any credit...

    Network Credit Services

    Kelly Said:Mobile phone credit limit - highly irritating, should I swap network?We Answered:Firstly you should complain directly to the UK and worldwide management (Huchinson 3G) IN WRITING about that customer service - that is just plain poor treatment. If you know that woman's name I would take her down to be honest - I would NEVER stand for that - you don't owe them anything it is the company who needs you not the other way round. I would get a new contract with o2 online (ie through www.o2.co.uk) because you get A LOT MORE for your money than with...

    Nonprofit Consumer Credit Counseling Service

    Jeanne Said:Will several secured credit cards at one time improve my credit faster?We Answered:It is possible to fix your bad credit, with time, patience and determination. The first step in repairing poor credit is fixing any problems you may have with money. Get a credit reports on yourself and check out what is on them. You are allowed by U.S. law to get a free copy from each of the three major credit companies once every 12 months. Once you have your credit reports, check them for accuracy. If there are any errors or things you disagree with, you are...

    Nonprofit Credit Counseling Services

    Earl Said:has anyone used a consumer credit counseling service(a nonprofit) to pay down your debt, if so good or bad?We Answered:I did several years ago and was debt free in 36-months. They have national contracts with all credit card companies and can lower both your monthly payments and your interest rates. I highly recommend them....

    Non Profit Consumer Credit Counseling Service

    Jay Said:What has your experience with Consumer Credit Counseling Services been like?We Answered:I used Credit Guard of America. They are non-profit and were able to do two things for me. One: lower my monthly payment and Two: get creditors of my back. I didn't feel like they lowered my interest rates on my cards enough though. I took about 5 years to pay down my debt and I think I would have done it quicker if they could have gotten my interest rate lower. It was super easy to sign up too. Hope this helps a little. Jeffrey Said:Credit Card Collection...

    North American Credit Services

    Willard Said:Need history help please??????????We Answered:1. world wide web 3. obtaining credit from banks 4. Latin America 5.George HW Bush lost to Clinton 6 allowing gays to serve 7. it would strengthen north america 8. republicans wanted cuts in social spending 10. the us signed it, but the senate didn't approveKyle Said:math questions please me out!!?We Answered:Try posting one question at a time. People don't like to do a whole assignment for others.Chad Said:Advice on recourse with a Canadian credit untion, which has not refunded money held in their debit card prograWe Answered:I have been going through the exact same thing since January. NYCCU owes...

    Nova Credit Card Services

    Martha Said:FedEx and UPS fees and my obligation?We Answered:Your son should have realized that the US postal service didn't ship outside of the US....

    Online Credit Card Payment Service

    Jamie Said:Is there an online service where you can use a credit card to cut a check?We Answered:Don't pay rent with Credit card. That is crazy..Gordon Said:Where can i find merchant who will allow me to process credit cards for online payment service?We Answered:The problem is you don't need another company to accept payments with that system. They are a third party processor which means they are their own payment system. You can't combine them with a true merchant account or another provider as it just doesn't work that way (although you can accept multiple forms of payment on your...

    Orchard Bank Credit Card Services

    Alex Said:Credit card bill due Sundays- what are the laws about late charges?We Answered:I agree with both MadMan and bdancer. Like bdancer said, send your complaint/problem to them by mail. Create a paper trail in case you need to file complaints with the BBB and the Comptroller of the Currency. If you must call, then demand to speak to a CSR that is in the U.S., you have that right.Pauline Said:two credit cards same company different reports?We Answered:It will show up as two accounts.Brian Said:Why is ORCHARD BANK considered a bad bank?We Answered:Orchard Bank extends credit to people with little or bad...

    Pinnacle Credit Service

    Daisy Said:Who invented the yahoo?And when was it invented?We Answered:See the history of Yahoo below Yahoo! started out as "Jerry's Guide to the World Wide Web", a web site featuring a directory of other sites, organized in a hierarchy (rather than a searchable index of pages). It was renamed "Yahoo!" shortly thereafter. "Yet Another Hierarchical Officious Oracle" is a backronym for this name, but Filo and Yang insist they selected the name because they liked the word's general definition, as in Gulliver's Travels by Jonathan Swift: "rude, unsophisticated, uncouth."[1] As the backronymed version of the name implies, it was not the...

    Pinnacle Credit Services

    Jill Said:Charge Off Questions.?We Answered:CatDad is right, why not wait and let the charge off fall off your credit then buy a house, your credit score will stay the same until that charge off drops. For a debt almost 7 years old, I would only offer 20% at the most. Definately dont pay anything unless you have something in writing.Samantha Said:can they do this?We Answered:Yes. However, it doesn't mean that their collection legally. Depending on your state they may be required to be licensed and bonded. You will have to check the rules of your state. Also, some...

    Postal Service Credit Union

    Terry Said:What do you think about the 10 planks of communism, translated?We Answered:Wow... All u need is a picture of Pelosi, Obama, Reid, and FrankChester Said:Does this seem like a scam?We Answered:By the looks of things, it's definitely a scam. You should never give out your personal information to the scammers behind this foolishness. Just spam that scam message straight into oblivion right away. Another thing, remember that a raccoon is a wild animal and should never be treated as a pet at all costs. It can still carry rabies.Jimmie Said:Being eBay and PayPal are the same company and eBay is...

    Professional Credit Service

    Billy Said:How do i reword my job description to sound more professional?We Answered:Front line in resolving customer complaints and problems. In this capacity I investigated problems customers where having with our products, found a resolution to those problems, and instructed the consumer as how to implement the needed corrective actions.Margaret Said:Why are people in customer service soooo rude?We Answered:Research other companies that do the same work the current one is doing. If you go in prepared with alternatives you might have a chance at getting them to switch. They may not like them either but have no time...

    Professional Credit Services

    Corey Said:Discuss whether Tomas is behaving in a professional manner.?We Answered:Professional? Not totally, no. He has chosen to take a shortcut on a material difference which is contrary to GAAP. But, he has taken an action which is in synch with the conservative principal of accounting. I think it would depend on how important the 5:00 deadline really is. If the f/s are needed absolutely by that time, then they have a worst case scenario of where the company is at financially. If he can, however, he should refuse to present the f/s referencing the...

    Providian Credit Card Services

    Ernest Said:(fraud)SST card service is charching me an amount of a credit card I never used.Where should I go to complain?We Answered:Clearly you may have been a victim of credit card fraud, which a fraudster took your identity to start the unknown credit card use, on the verge of ruining your credit. I read that you cut your unactivated credit card in half and discarded in the trash. Bad choice you made...a person who tried to defraud you will rummage through your trash cans if you didn't shred your important documents and bank info unreadably. You need to file a...

    Rmcn Credit Services

    Myrtle Said:has anyone ever used rmcn credit services?We Answered:no but this comment Doug Parker In a little over a decade, Doug Parker has led RMCN Credit Services, Inc. from its inception as a small sole proprietorship to its 2008 selection by Inc. Magazine as one of the fastest-growing private companies in America. Ranked No. 408 on the Inc. 5000 list, RMCN has risen to become a major employer in the Dallas/Fort Worth area and is recognized nationally as a leader in the financial services industry. suggests that it is a good company...

    Sears Credit Card Customer Service

    Bonnie Said:Customer service reps: Is it policy to delay customer satisfaction hoping they'll eventually just give up?We Answered:I believe you are correct. Especially this year. These 'service' companies are pulling some bad tricks this year to bolster their financial statements for fiscal year 2009.Kathy Said:does anyone have a sears gold mastercard with an interest rate lower than 17.99%?We Answered:Mine was at 17 something and it went up to 23% around january. I have never been late with them and I have always been a good customer.Wanda Said:I need help with my resume..?We Answered:I have some quick tips that will help...

    Sears Credit Card Services

    Alvin Said:Questions:>About this company Sears Shop At Home Synapse Group INC.?We Answered:Sounds like a scam bro. You should have that credit card cancelled as soon as possible. They're gonna keep hittin you up and then give you the run around while they spend your money........Bryan Said:Sears Credit Card?We Answered:If you don't want the card, then go ahead and cancel it. However, having the card will only help your credit and closing it could bring your score down a few points. Having it and not using it does not harm you at all. The article below is about...

    Service 1st Credit Union

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    Service 1 Credit Union

    Samuel Said:Where to invest 1,000.00 dollars long term through my local credit union?We Answered:When investing...always ask yourself these two questions: When could I possibly need this money? and What purpose do I have for this money? If you need that money at any point during the interim that it is invested, your best bet is a Money Market account...make your 4 percent and be happy. However, if you don't need the money in a hurry and would just like to have a decent return...ladder 2 or 3 CD's to try to raise your annum rate to 6 or 7. If your answer...

    Service Business Growth

    Nathaniel Said:How do you start your own Answering Service Business?We Answered:Go to http://www.score.org/index.html and in the upper left hand corner, enter your zip code. On the next screen, you will get information in the nearest SCORE chapter. Call them and arrange for a free meeting with a SCORE counselor to discuss opening an answering service. SCORE is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA). SCORE has 389 chapters in locations throughout the United States and its territories, with...

    Service Business Opportunities

    Ryan Said:can someone help with identifying opportunities and actions to enhance service quality in your business?We Answered:Go to SCORE (service core of retired executives). It is free and they have a wealth of information. I recommend that you do a swot analysis (strengths, weaknesses, opportunities, and threats). Service is the number one thing that needs attention in American business today. kudos to you for wanting to do that.Stanley Said:What are some important service or main products that teenagers would want from a business?We Answered:One of the things that my daughter (who is a teenager) and all her friends want are...

    Service First Credit Union

    Carolyn Said:Any body know about platinum credit cards from Union workers credit @1327 Empire Central suite130in Dallas TX?We Answered:I live in the area... its a scamRalph Said:What's the best way to go about opening my first credit card?We Answered:Your own bank or credit union would be an outstanding choice when looking for your first credit card. Go in and ask to talk to the loan officer. Tell the loan officer that you want to obtain your first credit card and ask if the bank offers a credit card. Expect your first credit card to have a low limit, e.g., $250 or...

    Service First Federal Credit Union

    Cathy Said:Help with business homework!?We Answered:do your own homework, use Wikipedia.com that should help, or better yet, take notes in class and look over themEugene Said:Can my bank charge me for placing a stop payment on a check that online bill pay sent that is lost?We Answered:ok i use a federal credit union also. my purse was stolen, and i had to do a stop check on the stolen checks. first, contact your main branch. ask to speak to a manager and explain to him/her what happened and that it is not your fault. threaten to take your business elsewhere...

    Service One Credit Union

    Morris Said:Can a credit union make you do community service?We Answered:Forget about the community service business for a moment. (There are a few conveniently omitted facts here, no doubt). The real issue is the nature of the alleged debt. You really should speak to an atty with expertise in civil litigation to determine whether scam gym is seeking to enforce an illegal contract - something these places are notorious for - and, if not, whether credit union is following correct procedures in its role in the matter. P.S. Yes, jurisdiction makes a HELL! of a difference! Unlike the U.S. where fraudsters...

    Service Plus Credit Union

    Benjamin Said:Should I apply to this job?We Answered:Yes, apply to the job. Unfortunately, chances are likely that there are many of other people at your college that will also apply and may be better matched than you. But, there is no harm in applying and if they ask you for an interview, then you should tell them that you are able to change your schedule. It definitely sounds like a good position to give you experience for a future career... especially since it seems that right now experience means more to employers than education. Also, often times the HR people...

    Service Tax Form

    Cecil Said:How to fill up the service tax return form?We Answered:The Form is at the link below http://www.allindiantaxes.com/form%20st-… At Sl No.3 3. Category of taxable services for which return is being filed: (Mention all the taxable services provided/received) (1)________________________________ U R required to fill GTA in the said column. Further, in relation to following the person liable for service tax are as under(and NOT TRANSPORTER) as per Service tax rules http://www.allindiantaxes.com/strule2.ph… (v) in relation to taxable service provided by a goods transport agency , where the consignor or consignee of goods is- (a) any...

    Service Tax Forms

    Troy Said:Can i do my amended tax at H & R block or any other tax service?We Answered:Amend your taxes online. If your return is complicated, look up an enrolled agent on the National Association of Enrolled Agents website. Click on "find an enrolled agent". Type in your city, town, State or zip. Enrolled agents are professional and have power of attorney with the IRS. H&R Block has to fold up their operation. Firstly, the firm is not to print the SS# of the client on any of the Tax software they send out. Secondly, they are...

    Service Tax Rate

    Lena Said:Dear sir/madam, please tell me about service tax,tds,tcs,sale tax, & their rate, Exemption, when sucharge mad?We Answered:1. service tax applicable for sevice provider there three types ob business a) manufacturing b) trading c) serv. providing service Tax for (c) & it's rate 10.30 w.e.f 24.2.09 2. TDS Verious rates Of Tax For The Assessment Year 2009-2010 Slab rates For Company (1) General Individual . Tax Rates (2)Women age Less Than 65 Tax Rates (3) Seniour setizen Tax Rates Tax Rates 1, domesti company Income Up To 1,50,000 Nil Income Up To 1,80,000 Nil Income Up To 2,25,000 Nil 2, other company 1,50,001 to 3,00,000 10% 1,80,001 to 3,00,000 10% 1,50,001 to 3,00,000 10% 3,00,001...

    Signal Credit Management Services

    Mary Said:bees-colony collapse disorder?We Answered:In general, honey bee colony health has been declining since the 1980s, with the introduction of new pathogens and pests. The spread into the United States of Varroa and tracheal mites, in particular, created major new stresses on honey bees. At the same time, the call for hives to supply pollination services has continued to climb. This means honey bee colonies are trucked farther and more often than ever before, which also stresses the bees. While Colony Collapse Disorder is truly a serious problem, agricultural pollination is not in crisis at this time. There were enough...

    Southwest Credit Services

    Brenda Said:Should I Call My Credit Card Company To Refuse Payment On An American Airline Ticket?We Answered:Did you buy the travel insurance? http://www.aa.com/aa/i18nForward.do?p=/p Most airlines sell that to give you an option for a refund. I have never flown on an airline that didn't offer travel insurance because they freely provide refunds. Why didn't you call? Obviously you are a "no show". Look at it from their perspective. Maybe you slept in, missed the cab, etc. Why should they refund you for missing the flight, especially since you didn't give them notice? You can ask the credit...

    Superior Credit Services

    Brittany Said:Help with Fraudulent credit card transaction in Thailand?We Answered:They are correct. Be more careful in the future. You would have to sue the merchant and you would have to go back to Thailand to do that. That crook saw you coming a mile away.Christina Said:Need to locate?We Answered:Type: Superior Training Services Arizona in your search bar and you can get some sites there.Good Luck.Lisa Said:Does the length of time you having an account with a bank affect your credit score?We Answered:No. Pull your report and you will see that your checking account does not show...

    Tidewater Credit Services

    Darrell Said:Shedded credit cards recycling?We Answered:I have been in the recycling industry for quite some time and it does not matter if you mix it and you will not be in any trouble,all of your garbage gets sorted before it is baled. I mean everything gets sorted it's amazing how it is sorted.It normally goes to a material recycling facility or MRF.There is a large MRF in Tidewater,Va . I sell self service shredding kiosk that you can shred your personal papers,credit cards,cd's,dvd's etc. all for about $2.00 for two minutes it will shred upto 400 pieces of paper,...

    Trinity Credit Services

    Julio Said:Trinity Credit Services will restore your credit with maximum results within how many days?We Answered:This is a scam. If you had an F in Math, and someone told you they could "fix" your grade, what would you think? It's the same with "credit repair". Don't do it.Marie Said:Has anyone ever heard of Trinity Credit services from Texas?they do credit repair and want$1500 to do 2 peopleWe Answered:Take the $1,500 you'd pay them and pay down your debt....Get Pay for Delete agreements in writing first... Accurate negative information cannot be deleted from your credit files....What these firms do is play the...

    Triton Credit Services

    Monica Said:Does anybody have a phone number for triton credit services?We Answered:John Miller Manager, Sales & Operations (UK) • Phone: +44 (0) 2392.350305 • Fax: +44 (0) 2392.798234 • Email: sales.uk@triton.comSherri Said:Duplicate default notice on Equifax Credit File (UK)?We Answered:If you can't find the company (have you tried the FSA?) then write to Equifax and have a Notice of Correction (or Dispute) added to the account explaining that you have paid off the default. Also, check out your file with Call Credit and Experian, as whoever you apply for a mortgage with will use whichever company they are partnered with, so make sure you...

    Union Workers Credit Services

    Billy Said:is union workers credit services a scam?We Answered:Googling union workers credit services scam returns 2 million hits.Alma Said:Do anyone know about a union workers credit services offering pre approve 10,000 credit limit.?We Answered:I googled union workers credit services complaint - this is what I found Glad I did some research! Here is what I did...I blacked out my name on the return form and wrote "you can pay for the postage you fraudulent bastards" and sent USPS. With the economy the way it is, be on your toes for these types of offers. This company is playing on the desperation...

    Union Worker Credit Service

    Dawn Said:Union Workers Credit Service?We Answered:Don't do it - everyone knows that Credit Unions are a SCAM - just try to find the item you like in the catalog someplace else.Benjamin Said:Exactly what is Union Workers Credit Service?We Answered:It's a HUGE scam....stay away......

    Union Worker Credit Services

    Cheryl Said:I recieved an offer from Union workers credit services for a credit limit of 10,000.00 at 5%?We Answered:SCAMSteve Said:Does anyone have a membership with Union Workers Credit Services?We Answered:While I am not a member, I know that their website can be found here: http://www.unionworkerscreditservices.com Good luck!Ben Said:Is Union Workers Credit Services that sent me a pre approved letter a fraud or are they for real?We Answered:Its a ripoffLucy Said:Is the union workers credit services still effective or has it expired?We Answered:Stay away...this is a huge scam....They charge you $39 for a credit card that can only be used to buy...

    Wireless Credit Card Service

    Kimberly Said:Question about Credit Debt ?We Answered:Do not file for bankruptcy!!! Ask family or parent to assist you back to health and burn the credit card or close those accounts until you get out of school. Such a small amount would be better to be reported as a bad debt than to do something so drastic as BK.Yvonne Said:Can I use a "cell phone dock" with a Nurit 3010 credit card swipe machine?We Answered:You will not be able use a cell phone dock on many networks for data applications including modems, fax machines and credit card terminals. The issue...

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