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Bewarse TalkArchivesCine Talk - Reviews, Gossips, Insider Info etc.Archive through April 02, 2005 � Credit Cards-2 Previous Next

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Eeidlagolayenti
Pilla Bewarse
Username: Eeidlagolayenti

Post Number: 45
Registered: 03-2005
Posted From: 65.115.93.118

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Posted on Friday, April 01, 2005 - 4:31 pm:   Edit PostDelete PostView Post/Check IP

50 :-)
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Thodakottu
Bewarse ke Bewarse!
Username: Thodakottu

Post Number: 8711
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:30 pm:   Edit PostDelete PostView Post/Check IP

>>>neeku attanti situation rakoodani korukuntunna..

thanks mama
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Manchodu
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Username: Manchodu

Post Number: 1336
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:25 pm:   Edit PostDelete PostView Post/Check IP

eee vishayaalu inkaa saana mandike telisuntayanukunta mama. kakapothe manchi tanam gaa vundatam better ani andaroo manche septunnaremo.. its good/better to follow, neeku attanti situation rakoodani korukuntunna..
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Thodakottu
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Username: Thodakottu

Post Number: 8709
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:21 pm:   Edit PostDelete PostView Post/Check IP

Ohhh....really interesting.....
Brad mamooo neeku sala lathukooru ishayalu thelusu eepali edanna seyyalantee ninne contacting setha...
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Manchodu
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Username: Manchodu

Post Number: 1335
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:18 pm:   Edit PostDelete PostView Post/Check IP

nuvvu maree kithkithaledathavu mama
idi nijam mama. itta saana mandi sesaarane, DCU( Digital Credit Union) vaadu credit rules strict sesaadu..

ssn, attukuni, passport.. idantha jarige katha kaadu mama..
oka time lo matuku, citi/some other banks, india lo aa managers ni attukuni, rowdies tho vasool karyakramam sesarani vinikidi.. but not heard if any one really faced it.

car vadili vellina vallu naaku telusu..
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Thodakottu
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Username: Thodakottu

Post Number: 8708
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:15 pm:   Edit PostDelete PostView Post/Check IP

>>>saan amandi, airport lo car kooda vadilesi dobbesaaru mama.

nuvvu maree kithkithaledathavu mama

>>>Indialo vallani pattukuntaranedi yentha joke o neeku teleendi kaadu.,

adendhi mama manam edanna theesukunetappudu SSN istham kadha...Mana SSN attukuni vallani contacting sethe mana passport meedunna address vasthundhi kadha..adhi attukuni veasy gaa mana intiki vacheyyachu kadha...appudu mana peddallaki paruvu podhaaa?
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Manchodu
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Username: Manchodu

Post Number: 1333
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:14 pm:   Edit PostDelete PostView Post/Check IP

dobbeyyatam antha veasy naa mama
asalu vallu manaki ikkada vache pay slip soosi credit ittunnaru, ade gaa valla guarantee.. ...
India trip vesinattu vesi dobbette, yevarini adugutaaru mama??
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Manchodu
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Username: Manchodu

Post Number: 1332
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:12 pm:   Edit PostDelete PostView Post/Check IP

saan amandi, airport lo car kooda vadilesi dobbesaaru mama. Indialo vallani pattukuntaranedi yentha joke o neeku teleendi kaadu., credit card companies write off sesesukuntaayi ittanti kathaalni....
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Thodakottu
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Username: Thodakottu

Post Number: 8705
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:11 pm:   Edit PostDelete PostView Post/Check IP

>>>appussei ikkada ninchi katta kundaa dobbeddam anukunna,

nuvvu mareenu alaa dobbeyyatam antha veasy naa mama
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Manchodu
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Username: Manchodu

Post Number: 1331
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:09 pm:   Edit PostDelete PostView Post/Check IP

eemadya avvatam yeti, ee madye sarigga kadutunna.. monnativaraku appussei ikkada ninchi katta kundaa dobbeddam anukunna, GC vachaka, tappadu, clear seyyali ani kadatam modaletta..
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Thodakottu
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Username: Thodakottu

Post Number: 8703
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:08 pm:   Edit PostDelete PostView Post/Check IP

oopss sorrry nijamaa as usual gaa joking anukunna....
eemadhya emanna bill payments missing ayyavaaa mama?
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Manchodu
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Username: Manchodu

Post Number: 1330
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 4:04 pm:   Edit PostDelete PostView Post/Check IP

bargain kaadu mama.. monna(last month) odessy konnappudu ade soopinchi, 4.5apr ki qualify avvavu, ani inko 3% penchi dengaadu..
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Thodakottu
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Username: Thodakottu

Post Number: 8700
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 4:02 pm:   Edit PostDelete PostView Post/Check IP

bRAD MAMA boxlu bargaining sesi sesi thaggichi aduguthunnavanukuntaa..
idhi credit rating dabbalu kaadhu no bargains
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Manchodu
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Username: Manchodu

Post Number: 1329
Registered: 03-2005
Posted From: 70.176.67.123

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Posted on Friday, April 01, 2005 - 3:59 pm:   Edit PostDelete PostView Post/Check IP

478 vunte parledaa
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Becbeckon
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Username: Becbeckon

Post Number: 45
Registered: 07-2004
Posted From: 66.14.72.36

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Posted on Friday, April 01, 2005 - 3:49 pm:   Edit PostDelete PostView Post/Check IP

gaali maaya
evening calling cesukunta
buzyvaa?
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Venu
Desanike Pedda Bewarse
Username: Venu

Post Number: 5113
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 3:04 pm:   Edit PostDelete PostView Post/Check IP

Gaali mama ni adagamaka aayana Pennsylvania lo POKONOS ane kondallo Resort lo untadu yemi teldu madisi ki!!

Kikiki..
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Venu
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Username: Venu

Post Number: 5112
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 3:02 pm:   Edit PostDelete PostView Post/Check IP

Bec mama

As I said, aa places ki koddi atu itu lo Krishna9, Agniparvatham, Johny/Eluru mama lu untaru, so oo sari valla ni palakarinchu. Attane naaku oka mail kottu address.
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Becbeckon
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Username: Becbeckon

Post Number: 43
Registered: 07-2004
Posted From: 66.14.72.36

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Posted on Friday, April 01, 2005 - 2:57 pm:   Edit PostDelete PostView Post/Check IP

Thanks venu and TK maamalu

Friends I am back to US and will be coming to NJ for a 6 month project.

Inka kummude kummudu
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True_indian
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Username: True_indian

Post Number: 2709
Registered: 03-2004
Posted From: 192.175.182.94

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Posted on Friday, April 01, 2005 - 2:56 pm:   Edit PostDelete PostView Post/Check IP

720 is good venu mama dont worry abt these unless u r applying for mortgage
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Venu
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Username: Venu

Post Number: 5109
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:47 pm:   Edit PostDelete PostView Post/Check IP

Mamalu

Attane mana "Vamshi" oka post yesadu inko thread lo, nenu kinda paste chesthunna. Telisthe cheppandi:


naa credit score manchigaaney vundi....

Experian vaadu $5 charge chesaadu..

online free credit report isthaadu...score kaavaali anteyy $5 annaadu...

US vacchinathrvaatha first time credit score soosukunnaaa...

600 and above is good anta kadaaa...

naa score 720 on a scale of 330-830

Ippudu inkoo doubt.. different agencies different gaa isthaayi....


so EXPERIAN accurate info yey naaa?/some one comfirm me plzzzz...
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Venu
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Username: Venu

Post Number: 5108
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:43 pm:   Edit PostDelete PostView Post/Check IP

AW and TI mamas

Thanks. Naaku unna Credit 25000 on various cards and this $4000 is not high that way. Kakapothe aa yetakaralu kuda yenduku le pay off sesi dengithe poddi.
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Venu
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Username: Venu

Post Number: 5107
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:33 pm:   Edit PostDelete PostView Post/Check IP

Bec mama

Mail ichha mama naa number. How are you by the way?

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Becbeckon
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Username: Becbeckon

Post Number: 41
Registered: 07-2004
Posted From: 66.14.72.36

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Posted on Friday, April 01, 2005 - 2:33 pm:   Edit PostDelete PostView Post/Check IP

thanks TK maaya
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True_indian
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Username: True_indian

Post Number: 2708
Registered: 03-2004
Posted From: 192.175.182.94

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Posted on Friday, April 01, 2005 - 2:31 pm:   Edit PostDelete PostView Post/Check IP

2 many enquiries will bring score down
dont worry if you keep paying what everu own and not apply for new ones it will go up
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Andhrawala
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Username: Andhrawala

Post Number: 5715
Registered: 03-2004
Posted From: 192.58.204.226

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Posted on Friday, April 01, 2005 - 2:30 pm:   Edit PostDelete PostView Post/Check IP

>>Ye Revolving Balance ante outstanding balance ye naa??

yeppu. But take it easy

anytime if some credit card available credit limit is less than 50% of the total limit on the card score drops
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Thodakottu
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Username: Thodakottu

Post Number: 8695
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 2:30 pm:   Edit PostDelete PostView Post/Check IP

beck mama email ichanu susukoooo
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Thodakottu
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Username: Thodakottu

Post Number: 8694
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 2:30 pm:   Edit PostDelete PostView Post/Check IP

Venannay nuvvu tirugudu thaggisthe credit rating adhee peruguddi..
eeda mee gurinchi roju anukuntunnam walmart ki poyechesariki savosthandi biryani ki ayana 100 miles etta theesukupothundenoo ani
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Venu
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Username: Venu

Post Number: 5106
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:28 pm:   Edit PostDelete PostView Post/Check IP

Mamalu

Adedo simulator lo try chesthe if I pay off 90-100% of my Revolving Balances my Credit Score will shoot up to 750 ani osthandi!!

Ye Revolving Balance ante outstanding balance ye naa??
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Andhrawala
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Username: Andhrawala

Post Number: 5714
Registered: 03-2004
Posted From: 192.58.204.226

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Posted on Friday, April 01, 2005 - 2:28 pm:   Edit PostDelete PostView Post/Check IP

Venu maaya,

>>last 10 months lo koddi balance unchuthunna atleast oka $4000!! Car konnappatinundi itta sesthunna!! Pay off seyyamantara?
>>

If u are using more than 40% of ur total available credit then it will be an issue.

If the 4000 balance is of 0% APR take it easy or else pay it off.

Unless u are looking for house, really credit score doesnt matter that much
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Becbeckon
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Username: Becbeckon

Post Number: 39
Registered: 07-2004
Posted From: 66.14.72.36

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Posted on Friday, April 01, 2005 - 2:27 pm:   Edit PostDelete PostView Post/Check IP

gaali, venu maaaya and TK maaya's
Give me your phone numbers
Send mails to krishna@idlebrain.com

I wanted to talk to you guys
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Andhrawala
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Username: Andhrawala

Post Number: 5713
Registered: 03-2004
Posted From: 192.58.204.226

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Posted on Friday, April 01, 2005 - 2:25 pm:   Edit PostDelete PostView Post/Check IP

Try this

https://www.creditmonitoring.citi.com/pages2/engli sh/NewOrder.asp

First month free.

U can get combined report from all 3 credit unions and also credit score
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Venu
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Username: Venu

Post Number: 5105
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:25 pm:   Edit PostDelete PostView Post/Check IP

Naadi yendukano 781 nundi 633 ki ochhindi mama last 10 months lo!!

Last 10 months lo only difference in my paying credit card bills is inthaku mundu total balance pay off chese vadni and last 10 months lo koddi balance unchuthunna atleast oka $4000!! Car konnappatinundi itta sesthunna!! Pay off seyyamantara?
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True_indian
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Username: True_indian

Post Number: 2706
Registered: 03-2004
Posted From: 192.175.182.26

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Posted on Friday, April 01, 2005 - 2:18 pm:   Edit PostDelete PostView Post/Check IP

Venu mama
general 650 plus unte manchidi
633 ante koddi rojulu dont apply for any card
basically dont have any enuiries on your history
plus check your credit history for any obnormal and if you late payment reports call the credit card and ask them to remove it

it will go up in 2-3 months if you maintain everything properly, house mortage appudu baga difference vastundi kani otherwise its ok

its 633 on 3 reports or only one, usually ga all r in same range
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Idiot
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Username: Idiot

Post Number: 18214
Registered: 09-2004
Posted From: 199.245.32.11

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Posted on Friday, April 01, 2005 - 2:17 pm:   Edit PostDelete PostView Post/Check IP

inkaa improve cheyyali mama. 670+ unte better ani chadivaa ekkado
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Venu
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Username: Venu

Post Number: 5104
Registered: 03-2004
Posted From: 64.105.207.250

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Posted on Friday, April 01, 2005 - 2:15 pm:   Edit PostDelete PostView Post/Check IP

TI mama

Undavaa??

Oo mata seppi po, naa FICO credit Score 633 ani oka site lo susa!! What does it mean?
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Eeidlagolayenti
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Username: Eeidlagolayenti

Post Number: 41
Registered: 03-2005
Posted From: 65.115.93.118

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Posted on Friday, April 01, 2005 - 11:18 am:   Edit PostDelete PostView Post/Check IP

babailu firstnationalbank ani okati vundi vaadu secured/unsecured oorike ichttadu porapaatuna kooda apply cheyyoddu.. :-)
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Andhrawala
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Username: Andhrawala

Post Number: 5700
Registered: 03-2004
Posted From: 192.58.204.226

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Posted on Friday, April 01, 2005 - 11:15 am:   Edit PostDelete PostView Post/Check IP

check this link for secured credit cards

http://www.bankrate.com/brm/rate/cc_ratehome.asp?w eb=brm&prodtype=cc&product=cc&R1=1&card_type=Secur ed&card_class=All&cc_online=0&hAboutType=C&cc_freq =1
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Eeidlagolayenti
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Username: Eeidlagolayenti

Post Number: 39
Registered: 03-2005
Posted From: 65.115.93.118

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Posted on Friday, April 01, 2005 - 11:14 am:   Edit PostDelete PostView Post/Check IP

annualcreditreport.com

ee website govt regulation prakaram 3 credit companies kalipi sponser chesi pettina website. you can get the creditreport once a year for free. its not available for all the states yet, but available for western and central states.
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Vamsea
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Username: Vamsea

Post Number: 1366
Registered: 06-2004
Posted From: 24.117.113.85

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Posted on Friday, April 01, 2005 - 11:11 am:   Edit PostDelete PostView Post/Check IP

freecreditreport.com lo free credit report choodacchu...no of enquiries ,,, alaantivi..

Score kosam $5 charge chesthunnaadu...

I hope its accurate.....
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Plz_kissme
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Username: Plz_kissme

Post Number: 4708
Registered: 03-2004
Posted From: 164.107.188.252

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Posted on Friday, April 01, 2005 - 11:11 am:   Edit PostDelete PostView Post/Check IP

AW mama, naaku naa credit score okasari choosukovali anthe.

so ippudu register chesukuni
score choosi malli ventane service cancel chesthe problem emi undadu ga
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Andhrawala
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Username: Andhrawala

Post Number: 5699
Registered: 03-2004
Posted From: 192.58.204.226

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Posted on Friday, April 01, 2005 - 11:08 am:   Edit PostDelete PostView Post/Check IP

PK maaya,

go here
http://www.freecreditreport.com
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Eeidlagolayenti
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Username: Eeidlagolayenti

Post Number: 37
Registered: 03-2005
Posted From: 65.115.93.118

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Posted on Friday, April 01, 2005 - 11:08 am:   Edit PostDelete PostView Post/Check IP

https://www.annualcreditreport.com/cra/index


check this site. you should be able to get all three credit reports for free once an year.

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Thodakottu
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Username: Thodakottu

Post Number: 8681
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 11:07 am:   Edit PostDelete PostView Post/Check IP

So Can I call wachovia directly and ask for secure card for 500 USD?
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Eeidlagolayenti
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Username: Eeidlagolayenti

Post Number: 36
Registered: 03-2005
Posted From: 65.115.93.118

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Posted on Friday, April 01, 2005 - 11:05 am:   Edit PostDelete PostView Post/Check IP

score lekundaa ayyithe, usual gaa once a year you have a right to get a free report.(atleast for west coast guys.)
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Plz_kissme
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Username: Plz_kissme

Post Number: 4704
Registered: 03-2004
Posted From: 164.107.188.252

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Posted on Friday, April 01, 2005 - 10:59 am:   Edit PostDelete PostView Post/Check IP

edi babu, aa free report link isthe memu soosi party sesukuntam
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Pokiri
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Username: Pokiri

Post Number: 430
Registered: 08-2004
Posted From: 206.147.87.2

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Posted on Friday, April 01, 2005 - 10:57 am:   Edit PostDelete PostView Post/Check IP

Thodakottu mama
govt free ga offer chestudi kada. Now offering to midwest region people.( from all three big companies.)
inka other companies enduku?
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True_indian
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Username: True_indian

Post Number: 2698
Registered: 03-2004
Posted From: 192.175.182.94

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Posted on Friday, April 01, 2005 - 10:57 am:   Edit PostDelete PostView Post/Check IP

mama free credit is available when you call the credit reproting agency, search for them on google
most companies free trial offer
dont ask for credit report for so soon
you need it when you buy the house
www.fico.com gives very cheap

credit cards are useful for emergency and accouting(you will know your montly expenses from the statement). 1 is enough if you dont make lot of purchases, yes you can build credit history with 1, not only for house but for car loan, personal loan u need credit history

bokka anedi personal choice
bokka size patti untundi( bokka here is amount of money we are spending)
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Idiot
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Username: Idiot

Post Number: 18163
Registered: 09-2004
Posted From: 199.245.32.11

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Posted on Friday, April 01, 2005 - 10:55 am:   Edit PostDelete PostView Post/Check IP

payments on time chalaa important
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Idiot
Bewarse ke Bewarse!
Username: Idiot

Post Number: 18162
Registered: 09-2004
Posted From: 199.245.32.11

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Posted on Friday, April 01, 2005 - 10:54 am:   Edit PostDelete PostView Post/Check IP

appu teesukoni time ki minimum payments kattestunte credit history peruguddi. adi credi card ainaa car loan ainaa inti loan ainaa
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Thodakottu
Bewarse ke Bewarse!
Username: Thodakottu

Post Number: 8678
Registered: 03-2004
Posted From: 12.153.145.6

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Posted on Friday, April 01, 2005 - 10:52 am:   Edit PostDelete PostView Post/Check IP

manchi reliable Pree Pree instant online credit report ekkada dorukuddi..
Post loo ekkada dorukuddi..

Assalu ee credit cards avsaramaaa? okati untee saripodhaaa? daanithoo mana history build avadhaaa? usual gaa evalayuna illu konatanikee kadha credirt history building sesukunedhi...untee ekkuva karchu pedithe manakee bokka kaadhaaa?