Yes, they do. i recently checked my credit report and there was a fee i had disputed that my insurance was supposed to cover. even though it was paid, it was still a ding on my credit. i was able to contest the entry and get it removed. Also, once you contest an entry on your credit report, the company who reported you has 30 days to respond. If they dont respond within the 30 days the entry will and must be removed.
Unpaid balances owed to insurance companies will be sent to collection agencies and will count against your credit.
Actual/360 is the day-count convention used for T-bills.
US T-Bills use a/360
No, they do not meet the requirements for college credit.
to count this years grocery bills
The Fairy Tale Fairy bedding collection has a thread count of 400, which will be very durable and hold up over time.
No. To calculate your debt to income ratio, add up you total monthly bills (only the bills that will report to the credit bureaus like credit card payments, car loans etc. , do not include the utilities, cell phone bills, insurance etc.) Take your monthly payments and divide them by you monthly income, this will give you the debt ratio. If you owe less than 10 months on an installment loan, most banks will not count that in your monthly debt. (An installment loan is like a car loan...somethingthat eventually you will payoff. Not like a credit card, this is a revolving debt you can payoff and use it again
The count will be artificially low
No. Sorry.
There are a few things that you can fix quickly, and a few things that only time can heal. Firstly, get any credit lines paid down. Even if you pay on time every month, if you stay close to your credit limit, it hurts your score. Even using up to 80% of your credit limit can be damaging. Pay off any outstanding bills. Take care of anything hanging out on your credit report. After everything is paid off, you can request that it is removed from your report. Companies do not have to remove things, but some of them will cut you a break if you took care of your debt. It's not one you can count on, but it is worth the try. After that, you have to maintain it. Keep your available credit nice and open. Keep paying on time. Don't get anything new on your record. If you can do this for a while, your score will start climbing.
Nope. Anything from you doesn't count. That's a soft pull.
The last known count of existing $1000 US bills was 165,372, in May of 2009. These bills are not in circulation and are worth more than their face value to collectors.