What is the meaning of parentheses in a legally binding contract?
Question by player41140: What is the meaning of parentheses in a legally binding contract?
There is a contract that says, “The scholar must obtain at least 60 ECTS (30 US credits).”
Does this mean the scholar must have at least:
-60 ECTS and 30 US credits
-60 ECTS and/or 30 US credits
-60 ECTS or 30 US credits
or does it mean something else?
Thanks!
Best answer:
Answer by Andrew
60 ECTS is the same as 30 US credits.
thus: and/or
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Categories: Credit Score Questions Tags: binding, Contract, Legally, meaning, parentheses, think
I have tried applying for loans and cards. How can I fix my credit?
Question by ravenous_person: I have tried applying for loans and cards. How can I fix my credit?
I’m gonna get a Verizon phone, will a cell phone fix the bad credit I have? The loan I applied for said I had “no established credit” But I did have something in collections. It is listed as Paid.
Best answer:
Answer by Cold
Cell phone do not report your payments to the credit bureaus.
Therefore they do not bring any benefit to your credit.
Consider getting a secured card.
You drop about $ 500 to $ 1,000 into an account and get a debit card to use against it.
Replace the money in full each month – no games.
Only a small percentage of these cards are turning into credit cards.
People that get them usually have bad credit, and can’t seem to be able to pay in full each month for what they use.
Use it wisely – it will reward you with good credit in a couple of years…
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Q&A: How do I build credit when I don’t have much?
Question by Heather: How do I build credit when I don’t have much?
I am trying to build credit, but no one will give me a credit card. I have a car loan in both my husband and my name and we always pay early, but that doesn’t seem to be enough. When I apply for credit cards they always say “insufficient credit”. How do I go about building credit and getting a credit card?
Best answer:
Answer by Kath6
You might try joining a credit union, if you can, and open a checking or savings account. After you’ve been a good customer there for awhile, you may be able to take out a small personal loan for something. (When my son was 16, he got a loan for $ 400 to buy a drum set.)
Another way you can get credit is to get a secured credit card. First Premier Bank is one such card. You have to basically put an amount of money up front and then you use it for small amounts, say $ 20 or so and pay it off every month. You’re really using your own money, but it shows that you’re responsible and a good credit risk. The catch is, you must repay it on time every month. You don’t want it to grow and not be able to pay it off. Only charge a very small amount each month. After a few months of doing this, your credit will improve and they may offer you a better card. But, be careful. Credit cards are very dangerous to use. If you absolutely cannot pay off whatever you charge every month, do not use it! Remember that your credit score is very important. It is the key to getting good interest rates on car loans and mortgages. Safeguard it well. The sources below will help you more. Good luck.
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Categories: Credit Score Questions Tags: Best, build, Credit, credit card, Don't, month, much, think
Q&A: can i get my credit score up if its REALLY low?
Question by : can i get my credit score up if its REALLY low?
Like if I overdrafted my bank never payed them then would my credit score go down? im 16 my mother is also on the account would my credit get ruined before i was 18? if so how do i get it up like can you actually get your credit score up? is it hard?
Best answer:
Answer by Johnny A
Dude especially now it’s hard because the banks aren’t lending that much, but it’s possible to get a joint credit card with your mother as a co-signer, like a student visa credit card. Your mom is joint on your bank account so if you overdraft your card, she pays for it or it messes up her credit. Same goes if you get a co-sign credit card. You might be able to get a credit card if you have a part time job, it’s known sometimes as a signature line of credit. If you owe money under your name, your only credit will be bad credit. Bad credit doesn’t drop below a score of like 400 i think. Good credit is around 700. Very good is 800+. Right now if you did a credit report with nothing negative like money owed to banks, or have a credit card or car, or loans, you would have what they call a “thin record” or “no data or score” Hope that makes sense. There are also 3 major credit beaureus that banks and collections report payments to Transunion, Experion, and Equifax.
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If you pay the full balance on your credit card each month do you still…?
Question by dk: If you pay the full balance on your credit card each month do you still…?
If you pay the full balance on your credit card each month, does this help to build up good credit history or score?
Best answer:
Answer by message_board_ceo
You can’t pay off debt if you don’t have debt. According to FICO, the most effective way to raise your score is to pay debt. Chase, Discover, and MBNA (now BofFA) all confirmed this by advising me to charge a small amount and paying it ALMOST entirely (leaving a small $ 3-5 balance). This would show I was an extremely low credit risk, thereby boosting my FICO score.
So I tried this method using 3 sock drawer cards, each with a credit line in excess of $ 10k. I would buy a tank or two of gas, small grocery purchases, etc. under $ 100 on each per month, then pay off 95% of the balance. My score shot up from the low 700’s to 755 in a matter of 3-4 months. Mind you I had very little outstanding debt on any of my other cards. Don’t believe me? Try it, because it most definitely will improve your score.
One more thing, keeping a card with $ 0 balance, not using it for extensive periods of time used to be a good thing but is a big NO NO these days. Why? Because creditors are very freaked out by unconsumed lines of credit that are potential sitting ducks for turning into delinquent accounts. Furthermore, unused cards are having their credit lines slashed substantially, thereby reducing your available credit, which is a major factor in FICO’s score. Expect your score to take a nosedive when Chase or Amex decides to cut your unused 10k credit line in half because you didn’t even need $ 5k, so why should they give you $ 10k?
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when does a small business employer NOT have to report an employees wages and taxes?
Question by jamzesmom: when does a small business employer NOT have to report an employees wages and taxes?
Like is there a limit to what she has to pay someone..like 600.00 a year? She says I am considered casual labor and as long as my wages dont exceed 600.00 she doesnt have to pay taxes and neither do I…This is a small bookstore. That I no longer work at by the way because she wanted to pay me 100 percent “store credit”.
Best answer:
Answer by Judy1
If you are an employee, they must take out taxes and give you a W-2 at the end of the year no matter how little you make.
If you work as an independent contractor, they only have to give you a 1099 if they pay you $ 600 or more in a calendar year. You still are required to report it on your tax return though if you made over $400, or if you file a return for any other reason.
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Categories: Credit Score Questions Tags: Business, employees, employer, Report, small, small business, taxes, wages
My credit score is 737. What should i expect for an APR on a new car?
Question by syrendyr: My credit score is 737. What should i expect for an APR on a new car?
i’m looking for a 2010 SUV and I don’t want to have anyone run my credit and ding it before am 100% about what i want to get.
Also: What is a good SUV for gas mileage?
Best answer:
Answer by Toni
Is that a FICO score? If so that is a great score.
From Money Magazine.
Scores higher than 740 to 760 are really not necessary.
You will get the best rates with these.
You are so close.
Make sure any credit card you have is paid in full each month to bring that score up.
Or at least make sure you are not using more than 30% of your available credit limit.
Carrying balances on credit cards can easily damage ratings.
There are some poeople out there with scores of 800 just with credit cards – it can be done.
Credit.com Credit Score Calculator
Fico Score Estimator.
You must pay in full each month for those top scores.
Note: Many experts on CNBC are predicting gas to hit $ 4 a gallon this summer – some $ 5 a gallon.
These are professionals that study the markets day in and day out.
We just bought a little cheap new car because we know this is coming and things are going to get rough, very rough. Please ponder this just for a few minutes – the future could be bad, very bad when it comes to gas prices…
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Q&A: is there somewhere online that i can just check my credit score not my credit report?
Question by macgrl80: is there somewhere online that i can just check my credit score not my credit report?
i dont want to sign up for anything that is a free trial either i had problems with that before. i don’t mind paying for it but i want it to be a one time only charge
Best answer:
Answer by ESweetPea
No, not really.
They’ll give you the credit report for free, but what you’re looking for is a “beacon score” or FICO score or something like that.
For that, they generally charge, like, 8 bucks or something.
It’s kind of a scam, but whatever.
They know the score is what you really want to know, so they either make you sign up for something or pay them or do something so they get paid.
Free report, yes.
Free score, doubt it.
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Where can I purchase all 3 of my credit reports without having to enroll in a membership program?
Question by Anthony N: Where can I purchase all 3 of my credit reports without having to enroll in a membership program?
I just need a one time report I dont want to enroll in a monthly thing.
WHAT!?!!? America is not a socialist nation? You’ve gotta be f***cking me! Thanks for the help guy! I never said I wanted it for free. i said where can I PURCHASE it without having to enroll in something.
Best answer:
Answer by cz73
You can do it at any of those free credit report sites, you just have to cancel it before they start charging you the monthly fee.
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Categories: Credit Score Questions Tags: Credit, enroll, having, membership, Program, purchase, Reports, without
Q&A: how are points determined on your credt report?
Question by Callie_Peach: how are points determined on your credt report?
I recently disputed and begin to settle and pay off things on my credit report how can i find out how much my score will go up?
Best answer:
Answer by savc_port
It will take is up to 6 months for your FICO score to go up if you just paid off all your bills. Now if you have been staying on top of your bills and paid them when you was suppose, then your score will go up in 3 months.
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Categories: Credit Score Questions Tags: answer, Best, Credt, determined, Points, question, Report