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  #1 ()
Pydayslappy : I have a big finger nuckle. So i need a adjustable ring. anyone know where to get them? and how much are they?

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  #2 ()
songfeng607 : jewelry store
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more..
  #3 ()
Sepecoagree : depends what type you want. But here's a list of places:
Topshop
Forever 21
Urban Outfitters
Asos
Amazon
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  #4 ()
totJintyBoxia : About 3 months ago I had an account with Bank of America, I used their bill pay system to pay someone $300, that same day I deposited a check of $372 from my job that I had at the time. Days later I get a $300 check from them saying it didn't have enough funds and a $384 check (for some strange reason they added $12 to my job check). Me being confused, I didn't know what to do. So I called Bank of America to get assistance, they advised to deposit the checks once again. So I deposited the $300 check Bank of America gave back to me (the money that supposedly didn't go through Bill Pay) and my job check. A week later I find out that my bank account was being closed!

I called the "Closed Account" operators and they keep telling they closed it because of my job check of $372, they say that check was the problem.

I don't understand because I recently obtained my transaction history and it contains the $372 from my job but it doesn't have the $300 I payed with bill pay. It has a -300 using debit. So that means that the person I was supposed to pay did receive the money? So if I don't have the $300 and I do have my $372, why did they close my account? To be honest I can care less if I don't have an account there anymore, I just care about fixing my credit score. Because I recently tried to open an account at Wells Fargo, and they closed it within days and they didn't give a debit card. Bank of America gave me bad credit score and because of that I can't open an account anywhere! And I need an account, I'm a college student that needs to pay for my books and school and other things I need.

I have talked to a Banker from Bank of America and he advised me to dispute my credit through Experian or Transunion and someone from a previous question I asked regarding this, told me that I was in chexsystems. How do I use these platforms. I know I need to get a credit report from chexsystems and annualcredit report and sent them a letter for both explaining what happen.

Thanks
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  #5 ()
bemnjefe : It sounds like the check from your job bounced - that is too bad as it caused you a lot of grief!

You are actually going to deal with ChexSystems and I have referenced a good article regarding how they work and what to do.
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  #6 ()
Buiscuspigape : What are the chances I can get a loan? The Market value of the property is $68,000.00 and I work 3 part-time jobs making about $350.00 a week. I do have credit card debt also but make all of my bill payments on time. My credit score is about 680. If I can't get a mortgage loan what are other options for me to buy this property?
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  #7 ()
stoffCitsmord : I'm a little confused how credit score works, most of the people tell me that your SSN will somehow determine and affects your credit scores, is that true? if so, how will the bureaus determine a person's without SSN (he/she was a foreigner) ?
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  #8 ()
DupinveveSeep : Your SSN has nothing (absolutely nothing) to do with your credit score. Your SSN is used as one means of tying a credit line item to you, but it is not the only means and is not necessary for anything.
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  #9 ()
celpancelialk : This should help you to understand how credit scores work..

FICO scores from 300 to 850 and Vantage Plus scores from 501 to 990.

Here is the breakdown for both systems.

Vantage Plus system scores from 501-990.
A-901-990
B-801-900
C-701-800
D-601-700
F-501-600

FICO system scores from 300-850.
Elite-740-& up
Prime-700-739
Preferred-660-699
Standard-625-659
Sub-prime-624-& under

FICO is the only one that matters since it's the one that all major lenders look at.

So as you can see it depends on if your looking at a true FICO score or a Vantage plus score.

As far as what makes up credit scores it's the following;
1. Payment history (longer the better) 35%
2. Time in bureau (longer the better) 15%
3. Types of credit (mix of credit cards & installment loans) 10%
4. New credit (new accounts and inquiries) 10%
5. Debt to credit ratio (lower the better) 30%

Things that don't effect your score.
1. How much you make or how long you have been on your job.
2. Where you live or how long you have been there.
3. Any account not considered real credit like cell phones, rent, utilities, insurance or gym memberships.
4. If your a registered voter or not.
5. Having a checking or savings account.
6. How wealthy you are.

So as you can see credit is based on opening and paying accounts. So without that you would have no score at all.

The credit bureaus use different scoring systems, Equifax scores from 250 to 843, Experian from 253 to 893. Transunion from 250 to 877.

There are also 3 different types of scores. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see.

So each person can have 12-15 different scores none of which will match. Great system huh. Add to this the fact that all lenders do not even report to all 3 credit bureaus and some don't report at all and you begin to see the problem with our current system.

As far as a real score goes, go to myfico.com it will cost $20.00 but you will get a real FICO score. You might also go to annualcreditreport.com and print out all 3 of your reports for free, no reason to pay a credit monitoring service.

As you can see from the above list your S.S.N. has nothing what so ever to do with your credit score.

Good luck.
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  #10 ()
Ununteepheddy : I just got approved for a credit card through barclay. I really should've looked more into it before I did it because I read tons of terrible reviews. People who have one: have you had a lot of issues with yours? I've worked very hard on fixing my credit and I don't want it ruined. I also read there were quit a few people that they didn't allow them to cancel their card. Any one also have this happen to them?
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