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1002543
Joined: 31 Aug 2008
1002543's page
Posts: 82
79 Magic Points
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Wed Sep 10, 2008 2:35 am
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peacockrancher
No need to be so agressive. I assume you had previous negative expirience, but please do not take it out on me.
Regarding whogavemecredit.com. The concept is that people post their applications to different credit products. It is accurate at the certain period of time. Site has been up since 2004, so you can not take data from 2004 and apply it to 2008. I, myself, posted over there my applications.
As Ihave mentioned finannce globe is inaccurate but educational.
Regarding Discover CC. If you post your TU/EX FICO scores, number of inq., lenghth of credit history and possible baddies maybe I'll be able to advise you.
Good Luck |
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peacockrancher
Joined: 07 Sep 2008
peacockrancher's page
Posts: 45
162 Magic Points
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Sat Sep 13, 2008 2:43 am
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1002543
I did not mean to be offensive towards you at all, sometimes when we are typing it is taken in the wrong tone, I apologize if you took it that way, that was not my intention at all, please accept my apology.
I have been reading a bunch of posts on here and did end up in a few pages that were actually all advertisements for wanting to get people there to use there site.
Thank you for your input on this site, I will surely check it out and see what I can get out of it. I went and got a prepaid card and am going to use it until I figure out where I want to go with this.
I hope that you will accept my apology, I would feel terrible if I thought that someone took me as insultive, I did not mean it that way at all. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Sat Sep 13, 2008 9:35 am
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Yes, the Federal law requires each of the three credit reporting agencies to provide a free credit report once a year, but not a free credit score. You cannot get a credit score absolutely free. However, as Justin said, if you go for some credit counseling services, or have credit cards of certain companies, you can get a fee credit score, but that too, for a limited period. Myfico provides the FICO scores of the three credit bureaus along with the three credit reports for $47.85.
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Where there's a will, there's a way !! |
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1002543
Joined: 31 Aug 2008
1002543's page
Posts: 82
79 Magic Points
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Sat Sep 13, 2008 8:35 pm
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peacockrancher
I do understand your frustration and no offense taken.
Let me suggest. Do not waste your time on prepaid card, it is not reported to CRA's and you do not get any benefit for good payment history which is 35% of your credit score. I'll take liberty to advise you to get secured credit card.
Bank of America offers secured card ( min is $300) which is graduated after 9 months of unblemished payment history. Also I am a big fan of credit unions, check out your local CU.
Some times BOA offers 99/500 card. It is partially secured card, which graduates to unsecured too. Secured cards are reported as trade line to CRA's and BOA is good, prime lender.
Mary
The only credit card company which provides free credit score is WAMU. They let you access your monthly TU PFICO score. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3733
3 Magic Points
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Sat Sep 13, 2008 9:42 pm
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I agree with 1002543 about the prepaid cards, they do not report your activity to the credit reporting agency, they will not help you build or maintain your credit score or rating.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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peacockrancher
Joined: 07 Sep 2008
peacockrancher's page
Posts: 45
162 Magic Points
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Sun Sep 14, 2008 2:24 am
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I am not real sure what I want to do with this, don't know if next year I will have fertile eggs or not, that is what would dictate what I will do. I do work fulltime so these birds are more or less a hobby of mine that I thought may lead into something that I could at least make pay for itself.
I know the prepaid card will not report to the credit reporting agencies, but it is safe to use for catalog and online purchases and that would satisfy me at this point until I see where I am this time next year.
Thank you for taking the time to answer my questions and make all your great suggestions. I will keep this forum posted on any future developments as I am sure that I will have more questions and you all have been great help. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3733
3 Magic Points
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Sun Sep 14, 2008 4:05 pm
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When you figure it all out, we are here, in the mean time you can still address other issues that you may have questions on here, we like having you.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Mon Sep 15, 2008 12:43 am
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| All this credit stuff is really confusing. I never even relized there was a thing such as graduated in the credit card world. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3733
3 Magic Points
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Mon Sep 22, 2008 2:56 am
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I think that if you are not sure, stick with what you are doing.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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peacockrancher
Joined: 07 Sep 2008
peacockrancher's page
Posts: 45
162 Magic Points
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Tue Sep 23, 2008 1:54 pm
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That is what I am going to do, as I said on another post I don't even know if my eggs will be fertile, still have my two males and with no separation, they would rather fight than breed, I am waiting for my sister to get a pen built to take one of my males off my hands, hopefully soon.
I did get a paypal business account open and it seems to have all the functions that I would need for now. I am doing a little crafting with the feathers, but just for myself for now. You know how it goes, get a crazy thought in your head and run with it. I did get some real good information about cards here though. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Tue Sep 23, 2008 6:36 pm
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| Sounds like you have gotten somewhere since we last spoke. Did you google peacocks and see what came up? In your last post it sounded as if you meant the males would mate. I had to chuckle there. What is all this stuff about separation? It sounds like you are nearly new at this ranching thing. Have you done your resaearch to see if this business will prosper and give back to you finacially? |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Thu Sep 25, 2008 7:25 am
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Hi Peacockrancher
If you want only a $1000 credit limit, I think that you can go for personal credit cards instead of business credit cards. Business credit cards have normally higher interest rates than personal credit cards as they have generally higher credit limits which may range from 50000$ to several hundred thousand dollars. Moreover, with personal credit cards, you can avail zero APR balance transfer facility for upto 12 months and can even get low introductory interest rates, which are not generally available on business cards. Personal credit cards have interest rates from 9% upto 20% while business credit cards have interest rates ranging form 12% to 25%.
_________________
Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3733
3 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Sun Sep 28, 2008 3:36 pm
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| Yep sure sounds as if he knows his stuff. I like seeing these people around here. Wonder how far peacock rancher has gotten i n the venture. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3733
3 Magic Points
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Sun Sep 28, 2008 5:36 pm
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Hard to tell, I am sure that he is around somewhere.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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