Ikea's Customer Service sucks!

I can't contribute anything to a finance club (I don't know anything about it), but I'll join so I can read and learn.
 
i love this stuff...i don't know why.
i am a transfer whore...i inhale the scent of cc offers with 0% apr on balance transfers...with no transfer fee!!! :drool:
 
plot said:
If you have shit credit you're supposed to fill out a dispute form for everything negative on your credit reports. The company you dispute had 30 days to respond, if they don't, the big 3 automatically remove it from your credit report.

So if you have crappy credit, every 30-40 days, go fill out the dispute forms and eventually companies will quit responding and it clears your credit up.

Those adds that garuntee to fix your credit... that's all they do.
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That's an awesome idea. I never thought about it. Does it cost money to dispute?
 
Dharmal52l said:
That doesn't compute your score though. I am very worried about identity theft as it has happened to a member of my family so I use a company to monitor my credit and I get a new report/score once a month.
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Meh, I don't need my score unless I'm trying to get new credit. I just want to check in once a year and make sure everything is still as it should be. That works fine for me. I don't worry about identity theft because I'm sure I will find out soon enough if it does happen. I don't wanna pay someone to monitor it for me.
 
theacoustician said:
I know this is foolish, but what ever happened to waiting till you had cash in hand to buy stuff? I mean, with an interest bearing checking account, you can actually end up ... nevermind. I know this won't catch fire here.
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Because sometimes you just don't have the extra cash lying around yet you still need the stuff (i.e. refrigerator)
 
Dharmal52l said:
Its not just about the balance. I find it hard to believe that if you actually feel that a no interest loan doesn't mean anything that it will end at just one.
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My 0-$100 recurring debt and 810+ credit score tell me I don't need to worry when it comes to those same as cash loans.
 
using credit is not a bad thing so long as you're educated, responsible, and you use it in moderation...heeeey, lookatthat. a rule which can apply to everything in your life!
 
fly said:
Then what don't you get? I get an interest free loan, while my real money sits in the bank to earn interest. Credit cards are not all bad...
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Per Suze Orman and Dave Ramsey they are. I believe those two are only preaching to people who need to get out of debt and then YES credit cards are the worst thing to have. :hs:
 
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