Question by Labrythn: If you get “no credit” for class (taking for credit/no credit)how badly does that hurt chances of going to UC?
If a student gets “no credit”, how badly does that hurt chances of going to a UC, does it matter even though it’s in a class that the UC doesn’t require for the students major? The student also has some W’s but has some very good reasons.

Best answer:

Answer by Ms. Sun
It does not hurt your GPA and is not likely to make a significant impact on your application.

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Question by tunabomberswillcrushyou: Is Providian credit score a joke? ?
it seems they score you on your personal payment history with them, not your actual credit score with trans union. There is close to 100 pt difference between my actual score with trans union and their “FICO SCORE” it seems they are just trying to motivate their customers to keep paying on time as it will continue to increase their credit score…what a bunch of crap…I wish I really had an 850 score

Best answer:

Answer by David
Research the top rated credit card issuers.. Providian used to be one of the worst

Years ago when I had no choice .. I had a dealt with these people

Heres the thing…

Use the card wisely.. pay it off each month and regardless of interest or your credit score with them … you will build good credit and someday get a decent rate from a good company

Be wise.. Think twice if you really need it and someday you will have that 850

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Question by Bryan B: will closing a paid-off credit card account that’s reported a late payment b4 hurt my credit?
I have a retail store credit card. I carry a very small balance on it from time-to-time to take advantage of their no-interest promotions. Well, a year ago I forgot to make a twenty-dollar payment while I was out of town and not getting my mail. My credit was hit and it really hurt my score. The same thing happened this week with the same card. I paid the card off this morning but apparently I am just too retarded to keep track of more than a couple credit cards so I am considering closing the account. But I wonder what’s best… Should I try to “repair” my relationship with them by buying something else and making regular payments, or will that not help me? I have a mortgage and other credit cards (that I carry much larger balances on), and I am never late on them. So is it okay for me to close that retail store credit card account, or should I keep it for a while and try to show them that I’m not an idiot? What’s going to help bring my score back up?

Best answer:

Answer by Dana R
It is much much better to keep the account open with a zero balance than to close the account. Just having the credit helps your debt to high credit ratio and can eventually boost your score even if you don’t use it. It shows that you have credit and are responsible enough to pay it off and not keep a balance. If you have a few accounts that you use every once in a while and pay them off right away that is a good thing. Obviously it’s not good to pay them late at all. But in the end it benefits you more to leave the account open and not use it than to close it. Don’t worry about buying something else with it because that won’t make a difference. Just leave the account as it is. That will help your credit. Good luck!

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Question by Russell: What is “making work pay credit?”?
I am using turbotax free federal efile to do my girlfriends taxes. I am using form 1040ez. If you look at line 8 it asks you about a “making work pay credit.” What is this and how do I know if my girlfriend qualifies for it?

Best answer:

Answer by the tax lady
Not a dependent.
Made to ,000 (phase out up to ,000).

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Question by Diane S: Experian won’t give me a credit score, but they gave me a “vantage score”?
So why do I have 3 different scores? I went to freecreditreport.com and they have my scores SO low, but yet my bank gave me my REAL Fico scores and they were pretty decent for my poor history. Experian is higher on that site than my lowest one, and would be my “mid-low” score, which is what my bank needs, yet Experian is saying that I have no score! THEN they gave me my “score” that they had for me? Which is completely worthless. So I asked my banker about it and she said that my creditors aren’t reporting. So to me, that means I should have GOOD CREDIT, whereas it reality it means that I have NO credit. Makes NO SENSE!?
Well I checked out that myfico.com and Experian is the ONE score I do need. I know they said I have “no credit” but yet I have 2 open accounts (I know, negative for scoring but still shows SOMETHING) and then two or three other closed accounts. Still just need EXPERIAN. The bank needs all 3 in order to approve me! But keep answering please.

Best answer:

Answer by My Take on It
For your true score, you need to go to http://www.myfico.com. It will cost you under to get the scores that lenders use.
Be sure to cancel whatever subscription you signed up for on freecreditreport dot com. They enrolled you in a credit monitoring service that will be charged to your credit card or bank account every month. They also will charge you if you do not cancel in 3 or 7 days I believe.

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