MYTH:  Canceling credit cards automatically increases my score.

TRUTH:  Most creditors prefer seeing at LEAST two or three active credit accounts to evaluate how you manage your credit.

MYTH:  There's no need to check my score unless I'm applying for credit.

TRUTH:  An estimated 80% of all credit reports have errors! Let me help you interpret your credit report.

MYTH:   Your credit card account isn't opened until it's activated.

TRUTH:  The account shows up as active on your credit report shortly after the card is APPROVED.

 
Posted by Ginny Cunningham on 01/05/2009 03:11 PM   Comments (0)   credit cards, accounts, myths  
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Our espohageal cancer journey
12/29/2008
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Phil got thru Christmas and then got the flu on Friday afternoon. He's much better now. We are waiting for his final tests to determine whether he gets surgery or whether the treatments have worked. The tests will be done the week of Jan. 12th and… more
The Economy and Whats Next??
12/29/2008
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We know we're in a recession and the housing market has been in a slump for over a year. When will we recover? No one can predict the future BUT there are some factors that would help hasten a recovery. These factors are: 1. The Price of Gas. Now… more
Cards, Paintings and Collages
12/19/2008
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Have been so busy making custom cards and paintings for Christmas gifts. If anyone would like to see some samples of what I do come back to this site early next year. I make all custom cards and do all types of paintings in acrylic, watercolor and… more
Esophageal cancer journey
12/17/2008
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WOW - Phil is feeling worse now that treatment is over. He had to take some morphine last night it hurt so bad in his chest (esophageal area). Every time he eats it really hurts now. more
Current real estate market
12/16/2008
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As we all know the real estate market is way down from the past few years. If you watched this past Sundays "60 Minutes" you know that we are in for another "wave" of bad loans that will be coming due in 2009 - 2011. Of course that means more… more
Our espohageal cancer journey
12/16/2008
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TUESDAY, DECEMBER 16, 2008 12:50 PM, CST Treatments are over and Phil is doing well. We are just waiting til the doctor tells us what test is next. Phil's feeling better and less stressed now that he doesn't go every day for treatment… more
Our espohageal cancer journey
12/16/2008
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THURSDAY, DECEMBER 11, 2008 11:36 AM, CST One more day of treatment to go. Phil is having a lot of trouble sleeping this week because he is sleeping so much during the day. He's going to work on readjusting his schedule so its more a… more
Our espohageal cancer journey
12/16/2008
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WEDNESDAY, DECEMBER 10, 2008 12:10 PM, EST Phil's not having a good week but the doctors told us to expect this. Only two more days of radiation and then the wait to see if the treatment worked and he can have surgery. He said this… more
Our espohageal cancer journey
12/16/2008
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MONDAY, DECEMBER 08, 2008 11:17 AM, CST Phil is really not feeling well - this weekend was rough for him. We had a friend with us from Florida and he didn't really have to interact too much - we left him have his space. Sat. night we… more
 

Ginny Cunningham

Westminster, MD

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ReMax Advantage Realty

Office Phone: (410) 871-2600 x 207

Cell Phone: (410) 913-4670

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