This Week’s Escape Inspiration:
Jules Duarte
Customer Services Director, Sun Princess
“So many destinations Princess takes you to are like beautiful postcards that come to life.”
Thought about a cruise but after reading about the ships captain letting those two men die I would be hard pressed to choose your Cruise Line. My personal opinion is that your captain should be booked for manslaughter
karthik is my brother’s son.he has fire in him.he wetirs effective new wave poems in tamil.we are very proud of him.your comments are inspiration to him indeed.we are coins moved by the time.congrats for his success.
I took a peak at the previous anwrses source $895 for a simple credit repair!!! You gotta be kidding me!OK, forget them. This is a simple fix, but you have to follow my instructions carefully.If you are certain this is not your credit card, then either it was posted to your credit report in error, or you are the victim of Identity Theft. You need to assume the worst for now.Visit and start by doing some research.You will first need to send the credit bureau a letter disputing this entry, and state that it is not your debt. Request that they place an identity theft flag on your account to prevent anyone else from obtaining credit in your name.Next, send a letter to the credit card company (or whoever posted this to your credit report) stating this is not your account, and demand that they either validate this debt or remove it immediately from your credit report.If they are going to insist this is your debt, then you will need to follow the ID Theft procedure. File a police report with your local police department, and get a copy of the report. Next, fill out an ID Theft affidavit (see the link I gave above) and have it notarized. Then send both to the creditor, along with your statement claiming this is not your debt. Unless they can prove this is your debt, they MUST remove this from your report and quit all collection activities. If they don’t, you now have grounds to sue them for willful noncompliance with the Fair Debt Collections Act and the Fair Credit Reporting Act.For your homework tonight, read both of these laws (Yahoo them, easy to find). You can’t fight these guys unless you know the game rules.And remember, this is easy to fix .you just need to understand the law and know your rights. The collection agents know them by heart, and will fight you on it if you let them.
It’s a pretty easy prescos . but it takes a long time. You have to be patient. I would consider cutting up most of your credit cards and then adding everything up and decide which one to pay off first. Then when you’re done with that one, say you paid $50/mo, add it to the next one. So if you were pay $50 on the next one, you would now be paying $100/mo. And you probably heard wrong about not paying credit cards. You should pay them, but if you haven’t paid them and you are close to the statute of limitations for your state then do not pay. When you reach the SoL you legally do not owe that money any more.Also, as far as your credit score it will take a while to go up. Even though credit companies are suppose to report every month, sometimes they don’t. or they only report the bad, not the good. And your credit score is a calculated formula, so if after you pay off most of your debt, but still have many cards open & with balances, your credit (FICO) score may still remain high until your debt to income ratio goes down. So, if your income goes up, your credit score can also have the ability to go up.I agree with the previous poster .. do not pay for someone to give you advice. If anything go to your local CCCS.Good luck!email me: vetsmom_rgvi can help 4 free