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Joined: 23 Mar 2009
loraj516's page
Posts: 1

55 Magic Points

Subject: how long after paying off debt does score rise?
Posted on Mon Mar 23, 2009 11:16 am  

I have paid off most of my debt. I have 2 now that I am paying off. One will be done by May2009, but the other will take a year and the balance is about $3000.00. I also have a student loan that I pay $50.00 per month and still owe $450.00
I have 2 credit cards and a credit line and the total available credit between the 3 $1900.00. I pay them off every month.
My score is 631.
How do I get my score up while paying down my debt? How lond do the the settled accounts hurt my score?

Posted on Mon Mar 23, 2009 5:03 pm  

I believe a third of the score is debt to credit ratio. Having $1,900 in available credit is fine if the your total credit is $2,500 (for example). However, if your avaible credit is 5,000 it is not so great.

Settled accounts are on your score for 7 years.

Subject: credit score
Posted on Mon Mar 23, 2009 10:42 pm  

So what I need to do is to try and increase the amount of available credit. Thanks!


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30071 Magic Points

Posted on Tue Mar 24, 2009 6:30 am  

If you pay off the debts, the "amounts owed" factor that contributes 30% in your FICO score improves and so your credit score also improves. However, if you miss any payments and become delinquent, the credit score will decrease instead of increasing. Paying off the debt without making any missed payment not only improves the "amounts owed" factor but also builds up a good credit history.
Keep in touch


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Tue Mar 24, 2009 6:48 am  

If your account has been charged off by the creditor or you have been delinquent, then even after you pay off the debt, your credit score will not improve, because the negative item will not get removed from your credit report before seven years and six months of your delinquency. However if you pay off the debt, you can save yourself from judgment which the creditor might bring against you if you do not pay it off.
All the Best Smile

Subject: adding info to credit report
Posted on Thu Mar 26, 2009 2:02 am  

I recently disputed items on experian credit report, and they deleted entire report so my score is 0, how do I get the positive info back on my report!

Thank you


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: credit
Posted on Mon Mar 30, 2009 11:04 am  

GOWILLA.....were you specific on which items you were Disputing? I think some of the mombers, on this forum, answered your question, on another thread. It just 'boggles' me how an ENTIRE CR can be removed!!


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30071 Magic Points

Posted on Tue Mar 31, 2009 9:22 am  

FICO score ranges between 350 to 850 and so if your score falls below 350 the FICO score shows as 0 by default. I don't think that you can get back your credit history again if it goes out of their records. All you need to do is to start rebuilding your credit history again using your existing credit cards and paying them off regularly within the due date.
Keep in touch

Subject: dXyPvMdAanYGk
Posted on Tue Aug 05, 2014 7:06 pm  

UN9f3L A big thank you for your post.Much thanks again. Fantastic.

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Posted on Wed Oct 16, 2019 10:05 am  

Online Daters Mostly sincere

People who lie on online dating services are likely hot moldovan women people pleasers who want to promote themselves favorably, Just as they could in person, in order to new research from the University of Kansas.

Jeffery corridor, Assistant professor of communications studies, Surveyed even more than 5,000 participants who used internet dating services to find out what kinds of people are most likely to lie.

He asked them how likely people were to lie about topics such as assets, internet dating goals, Personal appeal, Personal benefits, Past bonds, Age and kilos.

"What people lie about depends on type people they are, Hall assumed.

"as an example, If an extrovert, You might downplay the number of past relationships you had because you had more relationships than an introvert,

Those most likely to lie during the online dating process are people who have a strong awareness of what people like and control their behavior to achieve social ends. Their actions are may not be compulsory manipulative, But instead reflect a strive to be liked and to fit in.

In case study, Men confessed to lying more overall, But women were most likely to lie about their weight. Because online daters hope to meet personally eventually, simply how much lying is quite small.

"Online daters shouldn be concerned that most people are presenting a impression of themselves, Hall had to talk about. "What influences face to face dating influences the internet, to.
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Subject: ASIAME
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Subject: vietnamese mail order brides
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Subject: girl in spanish
Posted on Sat Apr 11, 2020 11:24 pm  

observation from a Latina who is 'not Latina enough'


Editor's take note: Lili Gil is a businesswoman with expertise in marketing promotions to Hispanics. She is co founder and dealing with partner of XL Alliance, A business strategy and marketing firm dedicated to help business leaders and corporations navigate and enter emerging multicultural markets. Gil was recently selected to be a World Economic Young global leader. Self list as white, But sadly i must say a world of media that over emphasizes issues of immigration and drug trafficking have often tainted the true colors and stories of those who call themselves "Latinos,

I am a strategist and marketer who makes a living demystifying the joy of Latinos for America's CEO's and decision makers. It is my life's quest for being familiar with true Latino identity.

I then take my personal information, And try to make advertisers on mobile and business leaders understand who we really are, And why they should take the time to get to know us. As you can imagine, This quest of mine is incredibly complex. customer base growth between 2000 2010, And represent $1 trillion in buying power to be able to advertising researchers. That's not unimportant, But somehow it is not enough to break while using common stereotypes of the people I meet each day.

This is why I have dedicated a 15 year career to drive the business case for modern inclusiveness and Latinos as an girls in spanish engine for growth. actually, It was my nave experience as a young immigrant that triggered what has turned today into a professional mission.

As an 18 year old foreign university student in a small private college in northern Texas, I was confused by off comments from my class mates: "you aren't going to Mexican? But you speak real spanish, real spanish,simple spanish, When my reply was "really Colombian, The contact would take a downhill turn since that equated to dealing drugs followed by the assumption that I should be washing dishes at the school cafeteria. They were surprised when they learned I was a global "Immigrant" Student with a student visa whose parents were should pay a full year of tuition in cash up front! That boggled their marbles. They had trouble getting payments from I was a 'true Latino' or 'Latino enough.or,--

Did I let the typecast discourage me? not. throughout reality, It was the catalyst to teach, join up and elevate the voice of who we are.

How about introduction that tall, learned and even affluent Latinos do exist? obviously, College enrollment has increased by 24%and the $100,000 plus household income segment grew 221% to help 17% of Hispanics in theUnited States.

dealing with confusion, Much strength has emerged binding together people from over 20 countries of origin and diverse races stored by one term: LATINOS. Today the term has evolved to carry the effectiveness of a unified community; once again experiencing its position, Heritage and manifestation as students, individuals, internet marketers, health, Lawyers and valuable members of american society. Maybe the stories behind these numbers are not as fun or not "Latino more than enough" To learn, But today we are getting a peek into their life example of America.

an important posting on Being Latino,One of the largest Facebook group for Latinos in the usa, Resulted in a flood of responses from Latinos fighting the issue. Over a dozen testimonials revealed that "not being Latino enough" is not only just about not looking the part, and about not behaving the part. Air Force rrn which I flew as aircrew (a small number of Latinas in cockpits), While working in Silicon Valley for [a definite] German small business, so on. Then there my sibling, An celebrity, Who gets told 'you don look ethnic/Latina enough' when she tries out for Spanish language tv ads and such! I think on mainstream TV that if you don help reinforce their belief, They don want you,

For Harvard graduate student Julio Ricardo Varela, His journey has but not just cornered him in the "not the case Latino" Camp for his working out but also in the classist camp among his own fellow Hispanics in theBronx.

"there were this belief that Latinos (that of a silly label, Since my family is a bit of other nutritional foods: North photography equipment, Corsican, german, spanish language, Moorish), Have it easier merely because don Latino. maturing in Puerto Rico, Where racism is subtle and usually class based, and thereafter in The Bronx, Where people looked down at my base as being too elitist, I just know that the whole thing I have earned in my life (Harvard, A successful a professional career, A loving as well as family strong network of dear friends) Has come through never sacrificing who I am or accommodating myself to others. in their life, You must be true to yourself and answer to yourself. and not using a core belief in yourself, You just follow the crowd and give thought to labels. I look closely at me and try to help others in any way I can,

Sharon Abramzon, A proud Colombian of Jewish decent has both benefited and produce with looking "Too white" with regard to the Latina.

"I am lucky determine blend into different cultures, that will help in business and socially. It's also quite comical to surprise people when I break out in Espaol during a discussion. I am quite proud for that father Colombian Latina, And I think it is great to bring to light that the Latin culture girlfriend in spanish is also a wonderful melting pot of races and religions. instead, wanting to prove my is also part of that. (without chemicals, After I speak in Spanish and tell people where I was given birth, I finally take advantage of the OK nod),

on one side many deal with the label of being "Too vibrant, while others juggle being too dark for a Latino. range.

"I was told by LATINOS that I was too to be Latina. in addition they asked where did I learn to speak Mexican? Oh the joys of getting bigger in Texas, SaidCroussett who grew up as a minority within unprivileged after being the only "charcoal girl" In a high schoolof Mexican us citizens in the Rio GrandeValley. these people all along, She shared proudly this also label "Latina" As her friends of philippine descent.

oh, The wonders of Latino tradition! Twenty long ago, Young Hispanics fought to combine in and acculturate, While today many are retro acculturating and getting back their new found label: I AM LATINO AND full of pride!

well, in the midst of many differences, there is simply a unifying thread of values of faith, household members, Culture and language that makes them worthwhile to learn. And due to the fact grow in number, Power and influence the world should get to know who they may be in all their hues, In all their pride and in all their value as individuals who love America and their heritage as much as you do. Will you give yourself a chance to rethink Latino? You will be blown away.

The opinions explained are solely those of Lili Gil.

I Chilean and to discover a living in the US for nearly five years, And I have been faced with this issue several times. notwithstanding, I must say that there was many times that as soon as I mentioned the fact that I come from South America, folks change their perception of me and my skin tone, regardless that I am almost as pale as a vampire. I honestly don understand why we worry so much about the color of our skin. Are people even aware what the function on the epidermis anyway? it skin. It a screen. It shouldn have in order to where we stand in the world. As vulgar as this might sound, We all poop the actual same.

feb 6, 2012 attending 10:26 evening

I believe her purpose is trying to highlight the fact that many adolescents are in a theoretical land with regard to this; as an example, mom and dad consider me white washed (i like rock, simply have date white girls, as well as mannerisms/beliefs i have such as being prochoice blah blah) But simply I AM Colombian and would never forsake it, Much like I would never foresake America. shedding pot, And likes to show off it.

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