consumer credit
Posted By: duck on 2005-08-30
In Reply to: Consumer Credit Corp. ? Anyone have any info? (sm) - nn
i don't know about them, but CAmbridge is a good one. They pay the creditors on time and are always in follow up with you. They do, however, charge a fee but it's not too great of one.
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Consumer Credit
I talked with them and there was a HIGH fee for them handling my payments. Too high for me. I talked to the credit cards directly and worked with them. I think my payment to CC would have been about $70 a month. Also through them, the interest rate was lower, but the payment was higher as they do a percentage of the balance. But now that the credit cards are doing higher minimums, more people are going to be in this situation. I did go throught Trinity Credit Counseling and my fee to them was only $25. So you need to check around.
Just my two cents worth.
RE: Consumer Credit Corp.
Are they the same as Consumer Credit Counseling Services? You might want to check with this service in your city. I used CCCS many years ago, and they were very helpful. They were very strict with budgeting, but they explained everything before I agreed to their requirements. I also attended classes when I could. They also have a toll-free number: 1-866-331-2227. Hope this helps.
Consumer Credit Corp. ? Anyone have any info? (sm)
I seem to have some high balances on a couple of credit cards and am curious as to whether their claim for negotiating a lower interest rate is valid. It would certainly help me pay these off quickly.
They claim they negotiate these lower rates, set you a payment schedule, disperse the money as agreed upon to the creditors and there is no charge to you. I am sorry, but I am a bit dubious. Their web site shows BBB logo on the bottom, that does make me feel a little better about it.
Any input appreciated. Am NOT looking for a free ride, just checking out my options so please no flaming.
great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
The consumer age is here.
I have watched bank tellers, cashiers, gas-pump attendants, farmers, pharmacists, butchers, telephone operators....you name it, lose their jobs due to technology and the need for mass production.
Everyone wants it now and they want it cheap, whether it's medical transcription or food.
Yes, it's depressing but I'm just as guilty as the next guy. I shop at Walmart and that has put a lot of little specialty stores out of business, but what can ya do?
It's just a sign of the times I'm afraid.
We are the largest consumer of goods. nm.
With all of the outsourcing, a lot of products are being made outside of the U.S. All countries are helping in the problems with our environment.
I'll never buy another car without using Consumer's Guide!
Dept of Consumer Advocacy........nm
Avast also recommended by Consumer Reports.
x
Rising costs always causes the consumer to look for another solution
in the MT field, this includes offshore, EMR and SR, and people taking pay cuts. Once everyone around your wonderful doctors are getting the work done reasonably well for much less, they will take a second look too.
yes! i used Consumer's magazine to make my choice,
and love mine - Eureka the Boss, SmartVac (an upright) -- less than $150 at Walmart -- very quiet, picks up very well. Only drawback i see is the cord is not retractable. If upright is not your style, or you want particular features, i'd still suggest using Consumer Reports suggestions. Neighbor just bought a Kirby for $800 -- bet this one would outclean that. Its even advertized as outcleaning a Dyson by 60%.
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Consumer Reports June 2005 covers this.....sm
type of information if you'll go to your local library they usually have a copy available there. Happy researching!
Forgot to add my accounts say "Closed at request of consumer."
x
I blew a big wad on my last one - Hoover WindTunnel - because Consumer Reports (sm)
gave it great marks about three years ago. The self-propelling feature was nice, but it kept breaking down so now I'm back to my K-Mart Bissell. So much for Consumer Reports.
Get the April 2006 Consumer Reports magazine...sm
It gives you a rundown on all vehicles as well as which ones have held up well and which ones haven't over the years. It's in the stores now or your local library should have a copy you can look at for free. :o)
Contact your state Consumer Affairs. They will guide you.
nm
No but I think Consumer Reports and other industry specific testing
Honda recently made the announcement they're going to pull production on the Accord hybrid due to lack of demand. You'd probably be better off getting a vehicle that uses ethanol, which many of the new ones do already, if you have stations that have ethanol pumps. Ethanol is selling for cheaper than gasoline apparently.
From experience as an insurance biller and a consumer with 2 policies.
I think it is always beneficial to have two insurances. I think if it doesnt cost you anymore to have it for him...then do it. Most insurance companies have what they call a "coordination of benefits" and the second insurance usually does pick up what the first doesnt. Say for instance though, with your primary insurance has a $25 copay so they pay for everything but that. That is in turn will go onto your secondary and typically the secondary will pick that up, depending upon their "COB" (coordination of benefits) policy. It may not benefit you a lot if the second has a high deductible until something major, god forbid that.. but I had that happen with my child. One hospital visit and your deductible is met on both as well as your stop loss so basically your covered 100%. Again, it really depends on your insurance and how they do their COB so you may still have a small amount of a copay or percentage but if it costs you no more to haveh him on it, then do it. Trust me, you will be glad you glad, especially in cases of large medical bills. Anymore questions, let me know.
Consumer Reports did not give the best rating to Dyson....
which surprised me. The top were Sears, which also surprised me. I just recently got the Sears bagless with HEPA filter for about $300 and I am EXTREMELY pleased with it. I could check on the model # if interested.
Walmart is trying to save the consumer MONEY. It's not all about corporate greed.
Rubbermaid products are advertised. So the costs of doing business with Rubbermaid factor in advertising costs. Now I don't care what brand name of plastic container I buy if the quality is equal. So I buy Rubbermaid's competitor (I forget the name) cheaper because they don't advertise. I also think there are a lot of big executives at Rubbermaid who take a bigger profit each year which once again factors in the price of Rubbermaid.
With the economy as it is, gas prices soaring, interest rates up, taxes up, our pay going down (MQMT), I don't care to subsidize Rubbermaid's advertising budget or their CEOs salary. And I go to Walmart and buy the plastic container that is cheaper because they don't advertise.
Check consumer reports ratings on the size SUV you want. I went with Subaru Forester..but sm
Its just me..no kids to haul around. The Ford Escape is in your range..but check the repair record. They were brand new the year I was looking..take into consideration tires..Escape uses truck tires which are more expensive than car tires. Have fun shopping!!
You might want to check out Consumer Reports 1/08 magazine, had article about ins and suggested visi
x
Most recent Consumer Reports magazine did an article about this. Most effective was hormone replac
.
They will put this on your credit
Please get them to explain to you that this does affect your credit in a similar way that a bankruptcy does. After having this explained to me, I filed a Chapter 7 and was done with the problem...no payments to anyone (other than the attorney).
I was able to immediately (upon discharge 3 months later) get secured credit cards and purchased a new vehicle after 12 months. Best move I ever made.
credit
www.creditboard.com
Cars and homes can be purchased 1 day out of discharge.
thanks, but the credit goes to......
the--ahem--offshore MT who actually transcribed this. I don't think it's an urban myth.
getting credit for CCs
I guess really I don't care what the client wants, necessarily, I just want to know if we get paid for those Keystrokes if we do have to add physician names and addresses to the CCs.
Give yourself some credit.
nm
Credit not way great...sm
I have a pre-pay credit card; it's a Visa. The bank account, well, we don't have one, but I could give my mother-in-law's; she let us deposit in her account before, no problem. This is such a great idea. I hope this all works out. Thanks for the info!
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Credit card? I'm not sure either.
NM
Credit counseling
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
Then, do not get any more credit cards,
bank in this country, go to the doctor at all, have insurance, buy a Dell computer, or do any customer service calling. Boycott .. look around they are everywhere .. ;-)
Credit checks
I totally agree. One's credit is personal bussiness and should not be a deciding factor of one's employment. I had several jobs fall through because of credit problems that I did not cause. My Identity was stolen some 15 years ago and I also had a child abducted. I have spent the last 10 years searching for both, my child and my life. I can live without my life, however without my girl I am finding each and every passing day harder and harder to live. MY credit score is now in the upper 600's (took 6 years to fix) which is not great but heading in the right way.
So to all you EMPLOYER'S, LET ONE WITHOUT SIN THROW THE FIRST STONE
credit reports...
So true, it is across the board just about. My daughter applied at a dept store yesterday and had to agree to have one pulled...and she's only barely 16!
I can see it in one way, but just isn't fair in so many more ways...same with insurance rates being higher because of a poor credit rating. Just another way to *get us*...!
Credit consolidation
I just finished 5 long years in a debt management program. I just wanted to let anyone know if they are in debt and don't know where to turn to try careonecredit.com. It has been great and I would have never been able to do it without them. When I started it seemed like there would be no end, now the day is here and I'm debt free. It just really feels so good.
Credit Check
I have never had a credit check done in my experience in applying for a hospital job, so I would not worry.
That's horrible. An MT should get credit
for the finished product - that is what you are responsible for - and what you should be paid for - anything less is crappola.
Credit ratings
They are probably going by your credit rating. If your credit rating is good they will put your name on the mailing list. You might want to call Citibank and ask them to take your name off the list so you won't continue to get offers.
You do not get any credit for the signature
line, patient demographics, carbon copy lines, etc. Some of this info may not take a lot of effort on your part, but it still will take a bit of input for which you will not be paid. These saves lines add up at the end of the day, thus saving the hospital tons of money. It makes you wonder what will be cut next to save a buck?
Geez, at least give her credit for trying. At least, sm
if didn't work out and she had to go inhouse, at least she could say she tried. No harm in that, at least that is my opinion.
Are you asking if your line count credit is
"a fact of life" for 3rd shift? I doubt seriously any company credits lines by the "shift"...it is probably by time completed/uploaded. The new day doesn't begin until 12:01 a.m., so work completed before 12:01 a.m. is on the previous day. Makes perfect sense.
Now, if the question is that you are still awake and is that a fact of life for 3rd shifters?! Hahaha I cannot work 3rd shift. WAY to hard on the body. The equivalent of smoking a pack a day in cardiovascular risk factors!
My hat's off to you for doing it!
How do you rent a car without credit card?
I only use my debit card now. However, how do you rent a rental car without a credit card?
Actually, you can put a block on your credit report that
NO credit card companies solicit you at all. Look up the three credit reporting agencies online and see what their websites say. Experian, Equifax, and TransUnion. I don't get any at all except from American Express to my old business name.
As for the automated phone systems, I just push zero a bunch of times until I get a human. Impatient, I am!
If you've been denied credit within the last
30 days you can get free credit scores for yourself. Also, if you are on any state or federal assistance program, you are entitled to one free report a year from each of the 3 reporting agencies.
Line of credit or FACTORING
I found your post very interesting and appreciate you took some time to respond. I am interested in finding out about the term "factoring" and the company you referred to as "PRN." Could you give some more info on this?
Agree to credit check.
I have seen several applications where you had to agree to a credit check.
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