CREDIT CRUNCH; STAYING ON TOP OF BILLS KEY TO CLEAN RECORD.Byline: Enrique Rivero Daily News Staff Writer OK, you're a rather disorganized dis·or·gan·ize tr.v. dis·or·gan·ized, dis·or·gan·iz·ing, dis·or·gan·iz·es To destroy the organization, systematic arrangement, or unity of. sort whose mail piles piles: see hemorrhoids. up and up and up on your desk, kitchen table and every other available surface for days or even weeks before you get to it. When you finally decide to do some cleaning you find, stuck between a magazine and a mailer (1) An e-mail program. See e-mail program. (2) A message sent by an e-mail program. (3) A person or organization sending e-mail. for a dating service, a credit card bill that turns out to be overdue OVERDUE. A bill, note, bond or other contract, for the payment of money at a particular day, when not paid upon the day, is overdue. 2. The indorsement of a note or bill overdue, is equivalent to drawing a new bill payable at sight. 2 Conn. 419; 18 Pick. . You don't worry much - after all, it was only for $54.73 - and pay it. And when you decide to clean your house or apartment you find, scrunched under the sofa cushion, a months-old bill that was never paid. Still not particularly alarmed, you promise yourself to be more organized in the future. As for that second, unpaid bill, well, it was the creditor's fault for not sending a second notice - or at least, not one that you ever found in your piles of mail. Maybe it's time It's Time was a successful political campaign run by the Australian Labor Party (ALP) under Gough Whitlam at the 1972 election in Australia. Campaigning on the perceived need for change after 23 years of conservative (Liberal Party of Australia) government, Labor put forward a to start worrying. These incidents can make their way to your credit report, resulting in bad credit that can harm your ability to finance a new car, obtain loans, or cause you other problems that you'd be smart to avoid. And once the negative information makes its way to your credit report, it stays there for years, according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. Maxine Sweet, vice president of consumer education for credit reporting service Experian. Chapter 7 bankruptcies will remain on your report for 10 years from the date of filing. But Chapter 13 bankruptcies - that is, those in which a consumer files a repayment plan - will be deleted Deleted A security that is no longer included on a specified market. Sometimes referred to as "delisted". Notes: Reasons for delisting include violating regulations, failing to meet financial specifications set out by the stock exchange and going bankrupt. after seven years. Still, there are some ways that you can in effect whitewash whitewash, white fluid commonly used as an inexpensive, impermanent coating for walls, fences, stables, and other exterior structures. It varies in composition, being generally a mixture of lime (quicklime), water, flour, salt, glue, and whiting, with other your report. By establishing a subsequent credit record demonstrating your financial responsibility, you could obtain credit or loans despite the prior stain Stain (microbiology) Any colored, organic compound, usually called dye, used to stain tissues, cells, cell components, or cell contents. The dye may be natural or synthetic. The object stained is called the substrate. on your file. In these instances, the creditor will look at three things, Sweet said: How long ago you were delinquent delinquent 1) adj. not paid in full amount or on time. 2) n. short for an underage violator of the law as in juvenile delinquent. DELINQUENT, civil law. He who has been guilty of some crime, offence or failure of duty. in your payment, the number of times you didn't pay your bill and the severity of the incidents - that is, was it just one or two nonpayments, or did the creditor have to write it off as a bad debt? Here's what to do: Bring your payments up to date and keep them current. Make sure all subsequent payments arrive on time, which should counter the list of late payments on your record. After about two years of maintaining that record of on-time payments, order a copy of your credit report and discuss it with creditors who might look kindly on the new, improved fiscal you and ignore the previous negative information. In general, stay away from ``credit repair clinics,'' which can charge up to $1,000 for services that you can do for yourself for free, and which have been known to engage in practices that might not be entirely legal. Meanwhile, here are some things you can do to establish a positive credit history and to minimize your problems if financial difficulties force you to fall behind in your payments: Print clearly when applying for credit and always use your complete name, which minimizes the chances of your file getting mixed up with someone else's. Again, pay your bills on time. Review your credit report two to three months before making a major purchase and immediately notify the reporting service about any potentially harmful inaccuracies. Information that is proved inaccurate or that cannot be verified as accurate with the source will be removed from your record. If you fall behind in your payments, notify the lender who could be willing to alter your payment schedule or interest rate. Consolidate your credit card debts Credit card debt is an example of unsecured consumer debt, accessed through ISO 7810 plastic credit cards. Debt results when a client of a credit card company purchases an item or service through the card system. into one manageable account. Don't use any more credit until you've got your finances under control. Do not cut up all your credit cards, because doing so won't help you establish a good record. Instead, keep one or two accounts open - and use them wisely. FRAUD ALERT One way that your credit can suffer is if you're a victim of credit card fraud Credit card fraud is a wide-ranging term for theft and fraud committed using a credit card or any similar payment mechanism as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account. . Though proven cases of fraud will be removed from your record, there are several steps you can take to protect yourself from it happening in the first place: Immediately sign your credit card when it arrives. Store your cards in a secure place. Shred everything that bears your account number before throwing it away. Never give out your credit card number to anyone over the telephone, unless you have initiated the call. Never write your credit card account number on a postcard or the outside of an envelope. After picking up your credit card and receipt following a transaction, double-check the names and numbers to make sure they're yours rather than those of the person who was ahead of you in line. Notify your card issuers immediately if you find an error on your bill or your card is lost or stolen. Call the card issuer immediately if you have not received your billing statement. Obtain a copy of your credit report and review it every few years to ensure that no one has applied for credit under your name or used your account without your knowledge, or to detect any other evidence of credit-dinging fraud. CAPTION(S): Photo, Box PHOTO (Color) no caption (Visa credit card as a jigsaw A Web server from the W3C that incorporates advanced features and uses a modular design similar to the Apache Web server. Jigsaw supports HTTP 1.1 and provided an experimental platform for HTTP-NG. See HTTP-NG and Amaya. puzzle) Bradford Mar/Daily News BOX: FRAUD ALERT (See text) |
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