CreditRepairFree.Org http://creditrepairfree.org Credit Repair Information Sat, 04 Sep 2010 22:06:13 +0000 en hourly 1 http://wordpress.org/?v=3.0 How many credit hours do you need to earn in ordered to be considered a sophomore? http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/ http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/#comments Sat, 04 Sep 2010 22:05:48 +0000 I attend Wayne State University and I tried to look up the credit scale so I know how many credits to take this upcoming semester, but I could not find anything. I need to know the credit scale of what is considered a freshman, sophomore, junior and senior for a full time student. Thanks.


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]]> http://creditrepairfree.org/501/how-many-credit-hours-do-you-need-to-earn-in-ordered-to-be-considered-a-sophomore/feed/ 3 How do I get a credit report with out a credit card or checking account? http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/ http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/#comments Fri, 03 Sep 2010 21:46:07 +0000 I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.


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]]> http://creditrepairfree.org/499/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/feed/ 5 How is a credit card considered a written contract instead of an open account? http://creditrepairfree.org/497/how-is-a-credit-card-considered-a-written-contract-instead-of-an-open-account/ http://creditrepairfree.org/497/how-is-a-credit-card-considered-a-written-contract-instead-of-an-open-account/#comments Fri, 03 Sep 2010 00:10:38 +0000 I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it’s the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.


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]]> http://creditrepairfree.org/497/how-is-a-credit-card-considered-a-written-contract-instead-of-an-open-account/feed/ 2 How many credit hours should I take at a community college during the summer? http://creditrepairfree.org/495/how-many-credit-hours-should-i-take-at-a-community-college-during-the-summer/ http://creditrepairfree.org/495/how-many-credit-hours-should-i-take-at-a-community-college-during-the-summer/#comments Thu, 02 Sep 2010 00:19:43 +0000 I am currently a Freshman at the University of Illinois at Chicago. I am majoring in Biochemistry and I want to take General college chemistry and Calculus II over the summer at a community college. Are these two classes too much for the summer? I will not have a job I will just be concentrating on my studies. At the university I go to I usually take between 16-17 credit hours a semester. These two classes will probably be 10 credit hours. Is 10 credit hours too much for the summer at a community college?


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]]> http://creditrepairfree.org/495/how-many-credit-hours-should-i-take-at-a-community-college-during-the-summer/feed/ 1 How do credit hours work and what's the difference between part-time and full-time? http://creditrepairfree.org/493/how-do-credit-hours-work-and-whats-the-difference-between-part-time-and-full-time/ http://creditrepairfree.org/493/how-do-credit-hours-work-and-whats-the-difference-between-part-time-and-full-time/#comments Wed, 01 Sep 2010 00:13:24 +0000 I don’t understand how credit hours work. Part-time I think is 12 credit hours a semester and full-time is 15 credit hours. If I went part time does that mean that I have to get 12 hours a week?


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]]> http://creditrepairfree.org/493/how-do-credit-hours-work-and-whats-the-difference-between-part-time-and-full-time/feed/ 1 What will happen to my credit score if my wife gets into trouble with a credit account? http://creditrepairfree.org/491/what-will-happen-to-my-credit-score-if-my-wife-gets-into-trouble-with-a-credit-account/ http://creditrepairfree.org/491/what-will-happen-to-my-credit-score-if-my-wife-gets-into-trouble-with-a-credit-account/#comments Mon, 30 Aug 2010 21:52:28 +0000 My wife has no income or credit history. She received a credit card application in the mail. The application does not require me to put in any of my personal information but it does ask to state household income.

If she gets into trouble with her card, will it affect my credit or will the damage be limited to her credit score?


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]]> http://creditrepairfree.org/491/what-will-happen-to-my-credit-score-if-my-wife-gets-into-trouble-with-a-credit-account/feed/ 3 What can one do to improve credit rating after having low credit score? http://creditrepairfree.org/489/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/ http://creditrepairfree.org/489/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/#comments Sun, 29 Aug 2010 21:51:34 +0000 Its very difficult obtaining a good fair credit card with high amounts on them. I currently only have a 300 limit. Will a secure credit card help to increase the credit score? Any advice. I’m also not sure if I should pay off the credit cards that expire within the next couple of years from the credit report.


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]]> http://creditrepairfree.org/489/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/feed/ 3 How do college credits work? Do you get a credit everyhour or is it like, 30 for one class for one semester? http://creditrepairfree.org/487/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester/ http://creditrepairfree.org/487/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester/#comments Sat, 28 Aug 2010 19:32:12 +0000 I am looking at colleges and one of the cost calculators told me to ask how many credit hours per semester. I tried just putting in 17 and then i thought you get 17 credit hours per day. There is almost an 18000 dollar difference and i just need help understanding this college credit thing. Anyone who gives me a really good answer with a reliable, checkable source will get 10 pts.


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]]> http://creditrepairfree.org/487/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester/feed/ 4 what is the best student credit card out there? http://creditrepairfree.org/485/what-is-the-best-student-credit-card-out-there/ http://creditrepairfree.org/485/what-is-the-best-student-credit-card-out-there/#comments Fri, 27 Aug 2010 19:22:31 +0000 I’m a college student with no credit but I want to get a credit card. What are some of the best credit cards for students? I’m planning to make small purchases and paying them off the next month to build credit. What other ways can I build my credit?


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]]> http://creditrepairfree.org/485/what-is-the-best-student-credit-card-out-there/feed/ 9 How many individual credit accounts should you have on your credit report? http://creditrepairfree.org/483/how-many-individual-credit-accounts-should-you-have-on-your-credit-report/ http://creditrepairfree.org/483/how-many-individual-credit-accounts-should-you-have-on-your-credit-report/#comments Thu, 26 Aug 2010 16:59:18 +0000 I am an authorized user on 3 major credit cards. I have one individual department store account and one individual student loan account. Should I remove myself as authorized user from 2 of the most recent accounts and get a major credit card individual account? Would that help/hurt my credit?


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