Comments for CreditRepairFree.Org http://creditrepairfree.org Credit Repair Information Sat, 04 Sep 2010 22:06:22 +0000 hourly 1 http://wordpress.org/?v=3.0 Comment on How many credit hours do you need to earn in ordered to be considered a sophomore? by Twin XL http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/comment-page-1/#comment-1730 Twin XL Sat, 04 Sep 2010 22:06:22 +0000 #comment-1730 Generally speaking it'd be 60 or more- but you also need to look into your major and see what your 3rd year classes will be. If you still need a second English class then it's going to screw up your whole schedule. Generally speaking it’d be 60 or more- but you also need to look into your major and see what your 3rd year classes will be. If you still need a second English class then it’s going to screw up your whole schedule.

]]> Comment on How many credit hours do you need to earn in ordered to be considered a sophomore? by Arbitrary Person http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/comment-page-1/#comment-1729 Arbitrary Person Sat, 04 Sep 2010 22:06:22 +0000 #comment-1729 At my school, it's 30 credits to be considered a sophomore. At my school, it’s 30 credits to be considered a sophomore.

]]> Comment on How many credit hours do you need to earn in ordered to be considered a sophomore? by geek_girl http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/comment-page-1/#comment-1728 geek_girl Sat, 04 Sep 2010 22:06:22 +0000 #comment-1728 Generally, it's 30 hours/year. Therefore, 31-60 would make you a sophomore. However, the designations don't really mean much. All I got out of them was being able to move off-campus a year early, since res life was the one part of my school that did actually care about them. I started college as a sophomore straight out of high school since I had already amassed 30 hours of AP/dual enrollment/random summer program college credit, and I then spent 2 1/2 years being classified as a senior before I graduated. Generally, it’s 30 hours/year. Therefore, 31-60 would make you a sophomore.

However, the designations don’t really mean much. All I got out of them was being able to move off-campus a year early, since res life was the one part of my school that did actually care about them. I started college as a sophomore straight out of high school since I had already amassed 30 hours of AP/dual enrollment/random summer program college credit, and I then spent 2 1/2 years being classified as a senior before I graduated.

]]> Comment on How do I get a credit report with out a credit card or checking account? by MrsMike http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/comment-page-1/#comment-1725 MrsMike Fri, 03 Sep 2010 21:46:34 +0000 #comment-1725 All you need is your social security number. Go to annualcreditreport.com and you can get a free copy. You will have to pay if you want your credit scores, but the report itself is free. All you need is your social security number. Go to annualcreditreport.com and you can get a free copy. You will have to pay if you want your credit scores, but the report itself is free.

]]> Comment on How do I get a credit report with out a credit card or checking account? by Maja P http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/comment-page-1/#comment-1724 Maja P Fri, 03 Sep 2010 21:46:34 +0000 #comment-1724 You are entitle to one free report per year. I'm not sure how it works if you don't have an account/card as they usually use this to confirm your identity or sting you for payment after your free trial has run out! You should get in touch with your local officials and ask what can be done. Mx You are entitle to one free report per year. I’m not sure how it works if you don’t have an account/card as they usually use this to confirm your identity or sting you for payment after your free trial has run out!

You should get in touch with your local officials and ask what can be done.

Mx

]]> Comment on How do I get a credit report with out a credit card or checking account? by Christina http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/comment-page-1/#comment-1723 Christina Fri, 03 Sep 2010 21:46:34 +0000 #comment-1723 www.annualcreditreport.com You can check all 3 bureaus 1x a year. No credit card required. http://www.annualcreditreport.com

You can check all 3 bureaus 1x a year. No credit card required.

]]> Comment on How do I get a credit report with out a credit card or checking account? by Susan L http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/comment-page-1/#comment-1726 Susan L Fri, 03 Sep 2010 21:46:34 +0000 #comment-1726 I've had issues with my credit report in the last couple of months so I've searched online to fix this..Restore my Credit Report is by far the best one out there, check them out below. http://www.restoremycreditreoprt.com/ I’ve had issues with my credit report in the last couple of months so I’ve searched online to fix this..Restore my Credit Report is by far
the best one out there, check them out below.

http://www.restoremycreditreoprt.com/

]]> Comment on How do I get a credit report with out a credit card or checking account? by RaymondFelton http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/comment-page-1/#comment-1722 RaymondFelton Fri, 03 Sep 2010 21:46:33 +0000 #comment-1722 Try visiting sites that aren't porno and you won't need a credit card. Try visiting sites that aren’t porno and you won’t need a credit card.

]]> Comment on How is a credit card considered a written contract instead of an open account? by Maggie http://creditrepairfree.org/497/how-is-a-credit-card-considered-a-written-contract-instead-of-an-open-account/comment-page-1/#comment-1717 Maggie Fri, 03 Sep 2010 00:11:10 +0000 #comment-1717 Sorry I can't give you a definite answer, but if the Alabama courts have found credit cards to be a form of a written contract, then article 2 of the UCC would be irrelevant. I've found anecdotal evidence to suggest this is the case, but nothing firm. I did find examples of other cases in other states where the courts ruling seemed contraindicative of the UCC, and was based partly on UCC limitations - meaning it looks like there definitely is a chance (depending on EXACTLY what was included in that signed piece of paper the collection agency produced) that your credit card account qualifies as a written contract. If you're unsure, you could try contacting another attorney from Legal Aid for a free second opinion, although I doubt your attorney would give such seriously erroneous information. I know that there legal fees are ginormous, but why not ask him to spell it out to you, show you previous cases where this ruling was upheld, etc. Sorry I can’t give you a definite answer, but if the Alabama courts have found credit cards to be a form of a written contract, then article 2 of the UCC would be irrelevant. I’ve found anecdotal evidence to suggest this is the case, but nothing firm. I did find examples of other cases in other states where the courts ruling seemed contraindicative of the UCC, and was based partly on UCC limitations – meaning it looks like there definitely is a chance (depending on EXACTLY what was included in that signed piece of paper the collection agency produced) that your credit card account qualifies as a written contract.

If you’re unsure, you could try contacting another attorney from Legal Aid for a free second opinion, although I doubt your attorney would give such seriously erroneous information. I know that there legal fees are ginormous, but why not ask him to spell it out to you, show you previous cases where this ruling was upheld, etc.

]]> Comment on How is a credit card considered a written contract instead of an open account? by OC1999 http://creditrepairfree.org/497/how-is-a-credit-card-considered-a-written-contract-instead-of-an-open-account/comment-page-1/#comment-1718 OC1999 Fri, 03 Sep 2010 00:11:10 +0000 #comment-1718 Credit card are defined as an Open Ended account..Your attorney is incorrect. Credit cards are established as Open Ended accounts under the Truth In Lending Act. TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602 § 1602. Definitions and rules of construction(i) The term “open end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time. This is a Federal Statute and as far as I am aware there is no state law or regulation that would override this. However, I also do not know specifically about Alabama Laws. You may want to consult a couple more attorneys to get their opinions. If the attorney for the creditor is good enough they may be able to make a case(right or wrong) that it is a written contract, and if you have an attorney going in that says it is a written contract you may not have much of a defense. Credit card are defined as an Open Ended account..Your attorney is incorrect. Credit cards are established as Open Ended accounts under the Truth In Lending Act.

TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602
§ 1602. Definitions and rules of construction(i) The term “open end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time.

This is a Federal Statute and as far as I am aware there is no state law or regulation that would override this. However, I also do not know specifically about Alabama Laws. You may want to consult a couple more attorneys to get their opinions. If the attorney for the creditor is good enough they may be able to make a case(right or wrong) that it is a written contract, and if you have an attorney going in that says it is a written contract you may not have much of a defense.

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