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How can scientists use fossils to determine environmental change?
fossils are used to determine the history of changes in environment and organisms because to see how they lived long ago on the environment and things like that
What is sustainable and non sustainable?
Sustainable refers to practices that can be maintained over the long term without causing harm to the environment or depleting natural resources. Non-sustainable refers to practices that deplete resources, harm the environment, or are not viable in the long run due to their negative impact on ecosystems or society.
What is the four long periods of historyf from the earliest to the most recent?
The four long periods of history are ancient history, medieval history, modern history, and contemporary history. These periods are typically divided based on major social, political, and cultural developments that occurred during each time period.
Once a balance is paid down to zero on a credit balance is it advantageous to close the account formally or will the zero balance be sufficient to show that the item has been closed?
If the card is paid off and you aren't using the card, that doesn't mean you should close the account; in fact, doing so can hurt your credit score (i.e., the score that tells companies whether you are a good candidate to loan money to). These companies, when they look at your credit report, want to see a few things: 1) Do have a history of credit being extended to you? They want to see a long history, which is why you should NEVER close the account for the credit card you've had the longest, even if you never plan to use it again: keeping the account open keeps it on your credit history, showing that you've have credit for a while. 2) Do you have multiple types of credit (credit cards, mortgage, car loan, cell phone, student loan, etc.)? They like to see a mix 3) How much of your credit do you use? They like to see that you use no more than around 30% of the credit available to you. For example, let's say you have two credit cards--one with a $10000 limit, one with a $20000 limit--and so, you have $30000 of available credit. You owe $5000 on the card with a $10000 limit and $0 on the $20000 card. That means you're using about 17% of your available credit ($5000 of $30000). That's fine. But let's say you close your $20000 card. Now, all of a sudden, you're using $5000 of $10000 in available credit--50%. That looks horrible--like you are living beyond your means, getting by on credit, even though you owe THE EXACT SAME AMOUNT OF MONEY as you did when you had $30000 of credit. But, by closing the account, you jacked up your debt ratio past 30%, making you look like a poor manager of credit. People will be less likely to offer you credit now, and they'll offer you worse interest rates when they do. In other words, paying off the card is sufficient. Just make sure you don't run up additional credit card debt that you can't pay off in full every month, or all your hard work will have been for nothing.
Is the Gibbs free energy negative in the spontaneous reaction?
Yes, as long as the entropy of the universe increases.
How long can a charge off stay against you?
Most negative information on your credit history will drop off after 7 years, but a bankruptcy can stay on as long as 10 years.
How long does bad credit affect your credit score?
as long as your credit file contains negative information it will always impact your credit score
How long before negative information appears on credit report?
Immediately, that it is reported to the credit agencies.
Will paying tmobile 10 days late affect your credit history?
Paying T-Mobile 10 days late can potentially affect your credit history if the delinquency is reported to the credit bureaus. It may result in a late payment being added to your credit report, which could impact your credit score. It's important to try and make payments on time to avoid negative effects on your credit history.
Does paying off a car loan negatively impact my credit score?
Paying off a car loan can potentially have a small negative impact on your credit score because it reduces the mix of credit types in your credit history. However, the impact is usually temporary and your credit score may improve in the long run.
How long does it take for negative credit information with the exception of bankruptcies to be cleared from a credit report?
33
Why is having a long credit history with a few blemishes that were corrected better than a short history that is clear?
Simply because... with a long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. Nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. Having just a short credit history doesn't show 'trends' or patterns of (perhaps) persistent late payments.
How long does an auto repossesion stay on your credit report?
Negative reports on your credit score remain on your report for seven years.
What makes your credit score go up?
Credit scores look at all the typical things. Do you have any credit accounts? You gotta have credit to have a credit score. How long have you had credit? What is your credit history like? Do you pay on-time or do you have significant delinquencies and defaults? A credit report is, in the simplest of terms, a history of how you have managed debt in the past. If that history is positive you will have a high score. If you have a history of not managing debt well, your score will reflect that. Aside from the simplicities, there are tips and tricks to help raise scores. But those won't work if you don't understand and practice the basics; namely, to borrow, then pay back, on time.
How long is a credit history visible?
The information on the credit report is available up to seven years, both positive and negative. Some collection agencies though can fulfill your request to remove a negative collection in return for a full payment and a lot of people have done this despite it being illegal. The best that you can do to balance out a negative collection is to improve on other aspects of your report. I found ways to do that here http://www.myfreecreditreportx.com/how-to-improve-your-credit-score-fast
How do credit cards affect an individual's credit history?
Credit cards impact several parts of your credit history. Pay on-time and you improve your payment history. Keep your balance low, and you improve your utilization rate. Keep you card open and active for a long time, you increase your length of history.
What are some common credit report questions and answers that can help me better understand my financial standing?
Common credit report questions include: What is a credit report? A credit report is a detailed record of your credit history, including your credit accounts, payment history, and any negative marks such as late payments or collections. How can I access my credit report? You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year at AnnualCreditReport.com. What factors affect my credit score? Factors that affect your credit score include payment history, credit utilization, length of credit history, types of credit accounts, and new credit inquiries. How can I improve my credit score? To improve your credit score, focus on making on-time payments, keeping credit card balances low, avoiding opening too many new accounts, and monitoring your credit report for errors. How long do negative marks stay on my credit report? Negative marks such as late payments or collections can stay on your credit report for up to seven years, while bankruptcy can stay on for up to 10 years. Understanding these common credit report questions and answers can help you better understand your financial standing and take steps to improve your credit health.
