Need lowdown on canceling credit cards
Hi, my name is Lynn. Over the past 15 years, I have accumulated 7 credit cards, most of which I do not need. I've posted about this subject before and I usually get conflicting answers from people. My car insurance will not give me a lower rate because I have too many credit cards- I have AAA Michigan. First, are there any car insurance companies out there that don't care how many credit cards you own? And second, I want to cancel 3 of the cards I don't use- one's for Midas, The Gap, and an Exxon/ Mobil gas card. I've cut all three of those up and haven't used them in ages. Most people tell me not to cancel, but now that there is new credit card legislation thanks to our President-can I cancel a card without a penalty to my FICO SCORE???? My score is 743. I have never been in debt so far but I did make one late payment that was beyond my control, I was in the hospital and noone could help me with it. Is there any way I can write an explanation on my report of why it was late or possibly get it erased without resorting to a law firm to go through all the red tape for me, as I can't afford to do that? I know I'm asking some tough questions, however, I really need to hear some sound ideas and beliefs about how I can improve this situation without jeopardizing my score. Please respond, especially if you've gone through something similar to this and it turned out all right. Thank you very much!!!!
Categories: General Credit Tags: car-insurance, cards, Control, fico, hospital, over-the-past, possibly-get, president, score, situation, Subject, tough-questions
Malicious Public Release of Private Information
I am a Board member of a small water district. The Board President recently circulated a letter throughout our community with many false statements about me.
Categories: Mortgage Tags: Board, director, director-smith, district, family, lake, office, opinion, police, president, project, security, small claims, TIME, work
Accused for damaging company’s file
Hello, i need legal advise on this please, i just resigned from a job with a private company and after a week or so i recieved a certified letter and an invoice for $5000 from that company.
Categories: Mortgage Tags: employees, Instructions, letter, Manager, office, Payment, president, termination, the-termination, usually-people, work, write-it-down
Builder wants to file workman’s lien…
Hello all - My boss had a house built in 2008. She closed and moved in, in 2009. During the process of the building of her house, her builder was mostly cooperative in the most business-like way
Categories: Mortgage Tags: Advice, boss, Builder, Building, flooring, general - real estate, house, legal, president, spouse, the-builder, things-at-first, vendor, warranty, work
Who is the current President of HSBC?
HSBC is a large company and i have a hard time determining who their president is. With the good help from my friend Google, i have narrowed it down to:
Categories: General Credit Tags: friend, hard-time, post-others, president, the-good
Suing a Limited Liability Corp
When suing a LLC in small claims court, when would you sue just the LLC itself and when would you sue both the LLC and the president of the LLC in his individual capacity?
Categories: Mortgage Tags: end, his-individual, llc, president, small claims
Bank of America/ Taylor Bean & Whitaker
My home burned down in Jan 2009. It was a total loss
Categories: Mortgage Tags: america, banking, securities, know-the-kind, Loan, Money, money-on-things, office, personal-check, president, taylor-bean, three-children, through-because, TIME, want-the-money
Letter of Deletion for Harrassment, violations of privacy, is this Okay? Thanks
February 16, 2010 Continental Credit C/O Security Finance PO BOX 3146 Spartanburg, SC 29304 RE: Continental Credit 1808 S FM 51 STE 9 Decatur, TX 76234-3700 To: President/Vice President/Manager/Compliance Manager and/or any other person to which reviews accounts as well as providing information to Credit Reporting Agencies, I, KiXXX KiXXXX, P.O. BOX XXX, XXXXX, XXXXX XXXXX, am aware of the debt of approximately $400.00 and have explained several times upon receiving daily phone calls from Continental Credit located in Decatur, Texas, that upon the event of the death of my spouse and then several months being laid off from work and receiving no income except child support from my other child, that I would contact them and see what I could do to get a payment to them, in those exact words
Categories: General Credit Tags: child-support, code, collection, employer, family, house, People, Phone, president, security, shower, signature, Texas, TIME
Employee Harassment- To throw out of the building and call security
I had been an Employee of Investment Bank Company having headquarters in Boston. Does the managers in the organization have the right to tell the employees 1
Categories: Mortgage Tags: behaviour, boston-does, Building, Investment, like-committing, Manager, managers, organization, president