Jul 22

My credit card charges a 3% transaction fee, and I believe several shops in Niagara-on-the-Lake claim they charge a fair currency exchange rate. Is it better to pay with a credit card, use US currency, or get Canadian currency beforehand either in US or from a Canadian bank or exchange? Thanks.


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written by Author \\ tags: , , , , , , , , , , , , , , , ,

Jul 19

I'm looking for the best rewards card for my business which I really only use for advertising expenses. I have seen stuff advertised for 3% back on credit cards for yahoo advertising. Any suggestions?


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written by Author \\ tags: , , , , , , , , , , , , , , , , , , , , ,

Jul 16

The internet has now made it possible to obtain products and services from firms far away - even offshore. Oftentimes, however, the size or cost of a product or service makes it risky or at least more challenging to have provided by an unknown or unfamiliar firm who is out of state or offshore.  How then to verify or validate a firm’s product value - even its honesty?

Well, the cyber-fraud focus by both governments and financial institutions like credit card companies make that less of a concern than in prior years.  However, there are still firms that require a wire-transfer or check before they conduct business - so getting your money back from these types of firms is more the focus or the need for business quality verification before you buy.

Starting with the online firm who wants you to prepay for their goods or services you can request banking data so you can check them out.  In the meantime, you should perform an online quality search for the firm and/or its products/services. This is actually pretty easy.   Since it is now relatively commonplace for jilted/cheated individuals to go out of their way to let the world know how unhappy they are with ABC, Inc., you can gain access to such data online quickly and without cost.  Do a find a person search or Google search with the preface “Experience with…” followed by the company name or product name.  Many industries now have watchdog websites that list unscrupulous firms.   The bottom line is that this type of information is available if you are willing to search for it.

Next, if you are on the search for serious data prior to engaging in an especially expensive transaction, you should verify whether or not the company has any judgments or suits against them.  This presupposes that you’ve checked with the Better Business Bureau and haven’t gotten a full set of data.   Once again, there are online services, people finder, and watchdog sites that can often help identify such data.  You can even begin with the typical address search to verify their location. If you are seeking judgment or lien data then this can normally be obtained from the county or state filing office in the state where they are located.


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written by Author \\ tags: , , , , , , , , , , , , , , , , , , ,

Jul 14

My question stems from the fact that I have successfully disputed and had removed an account from two of the three bureaus. TransUnion and Equifax have removed an account many months ago, and I am wondering if Experian has an obligation to follow suit with the supporting documents being the deletions from the other two bureaus. I remember reading something to this effect while doing some research a year or so ago.

Please respond only if you have a high level of understanding of credit and please provide supporting evidence/references (An excerpt from FCRA would be great!). Please do not respond with a quip just to get some answer points, thank you!

BTW did you guys hear Obama today?!? Credit heaven for consumers is coming soon! No fee hikes whenever they want, no hidden fees! An oversight executive type agency to monitor the bureaus and lenders, not just the dumb old silent FTP. Plain language, lots more! Google it! Just happened today!

Thanks again!
Yes, I am disputing with Experian, but they have blocked me before. They will look at something they have already verified IF there are additional supporting documents. I am using the fact that the other two buereaus have both deleted this account as additional supporting documentation. Note: This account WAS reported on all three bureaus, its VERY old, and they are no longer attempting to collect this debt. It was deleted b/c of that fact from TU and EQ, and I am filing a dispute with EX to have it re-investigated. My basis in my letter was that it was removed from the other bureaus, and under the FCRA they have an obligation to maintain consistency with the other bureaus (kind of a 2 vs. 1 thing). So 2/3 bureaus are now accurate. I was hoping to have supporting legislative documentation from the FCRA to invoke this pursuant to ... and thats really my question. Thanks!


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written by Author \\ tags: , , , , , , , , , , , , , , , , , , , , , ,

Jul 09

Specifically does B of A, chase, Discover, or any of the major players offer this service? I never use my card, and I'd like an email whenever it gets used.


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