heavysnow
3333333333333333
2386
34
2006-09-07 20:14:00
我认为不会有很严重的影响，因为卡上的balance上的最大余额不是很大。没有及时付清余额还有financial charge，这点会有些影响。看看这个连接，里面如何改进信用值的一些tips:
http://www.huaren.us/dispbbs.asp?boardID=336&ID=230145&page=1
没有人顶哦
55
刚上来，对不起回晚了。
要不你找些借口，和 vs 争取一下，看能不能把不良记录从credit report 上撤销？比如，就说你从来没收到过帐单?
虽然希望不大，但争取一下总没有坏处。
The lost mail could happen for sure. It's a good excuse and often the credit card company would waive the late fee and the financial charges.
谢谢大家，俺第一次到这个版逛，得到很多有用消息。
希望有空经常来。
Another way, I am thinking that can you dispute directly with the credit report bureau? Just say two facts: 1) you did not get the mail. 2) once you get the mail, you paid it immediately.
VS may not help you since you closed their card shortly after open it, right?
I agree with you.
That's a good suggestion.
Pay your bill on time will improve your credit score for sure. I paste these tips again for your convenience.
Tips for Improving Your Score
- Monitor your credit report and dispute errors. Errors in your report will usually translate into a low score.
- Pay your bills on time even if it means you can only pay the minimum amount due.
- Low balances are a positive factor in scoring models. Don't use all your available credit.
- New credit applications can detract from your score. Even an application for a department store card can lower your score. Multiple applications can have a devastating effect on your score, especially around the time you are shopping for major purchases like a car loan or mortgage.
- Old accounts (even those you haven't used for a long time) can help your score. Scoring models look at not just how to use credit today but also how long you have used credit.
- Consolidating balances or moving debt around may make for one easy payment, but this can have an adverse effect on your score. Shuffling of balances could be especially harmful to your score if you close established accounts and open new accounts to consolidate your debt.
- Ask your lender what scoring model it uses. With new scoring models like the credit bureaus' VantageScore, it is easy to get confused. A number score alone will not tell you where you stand.
- Know the going interest rates. Current rates for mortgages, car loans, and other consumer credit are published in daily newspapers or can be found online at such sites as www.bankrate.com. If you have a good credit score but are not offered a good interest rate, ask questions, negotiate, or shop elsewhere.
I was wondering if the address shown on your husband's drivers license is current.
Another way, I am thinking that can you dispute directly with the credit report bureau? Just say two facts: 1) you did not get the mail. 2) once you get the mail, you paid it immediately.
VS may not help you since you closed their card shortly after open it, right?
I agree with you.
That's a good suggestion.
现在严重怀疑我的信用分，因为从来没有查过，如果我要申请贷款买房子的话都不知道能否弄到钱
那就应该去
https://www.annualcreditreport.com/cra/index.jsp
看看自己的信用记录。
honey们,俺用第三种方法,但是说identity不能确认,ft
还有哪个money dluxe哪里下载哦
Here is how to apply an ID:
Q: What is the Windows Live ID Network? Why do I have to use a Windows Live ID?
A: The Windows Live ID Network is an online service that lets you use just one set of credentials—your e-mail address and password—to sign in to and use all sites and services on the network. This means that you don't have to remember numerous sign-in names and passwords.
Q: I do not have a Windows Live ID, how do I get one?
A: You can sign up at the Windows Live ID home page. Once at the home page, click Sign up located in the upper left hand corner. For ease of use, you can use any existing e-mail address from any e-mail provider when you create your credentials for the Windows Live ID.
- For information about personal information stored by the Windows Live ID Network and how that information is shared with sites on Windows Live ID, review the Windows Live ID privacy statement.
- For information about personal information stored by the Windows Live ID Network and how that information is shared with sites on Windows Live ID, review the Windows Live ID privacy statement.
Q: How do I manage my Windows Live ID account, change my password, email address, etc?
A: Please refer to the Windows Live ID home page. for answers to the following Windows Live ID related questions: (Once on the home page, click Account Services located in the upper left hand corner, then click Get Answers from Customer Support)
- Signing In and Signing out
- Password Reset (Lost Password)
- Creating and Changing Passwords
- View or Change Account Information
- Managing Cookies
- Signing In and Signing out
- Password Reset (Lost Password)
- Creating and Changing Passwords
- View or Change Account Information
- Managing Cookies
到底了
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