Repair Credit Score

Archive for March, 2010

Question: I am buying a new computer how good would one like this be?

It's kinda pricy but I have really good good credit (a score of 795) so im gonna finance it But how good is it actually?? Would you sugest a better one??? I download lots of music and videos and movies and play online games and stuff like that... PLease click on the specifications and tell me what you honestly think...

Answer: Hi

If you're just using the computer for downloading music and videos, as well as online games, this computer is totally unnecessary. This PC qualifies as a gaming computer used for high-end applications.
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Incase you play SERIOUS games (not online ones), I will evaluate your system.

1. Firstly, 8192 MB (8 GB) of RAM is a sheer overhaul and you will NEVER need that amount for many, many years to come. Having 8 Gigs of RAM installed can slow down the performance of any game, believe it or not, because of the huge amount of memory present.

2. Secondly, a 700 watt power supply is great, but the company isn't being specific...You don't want a 700 watt generic-brand power supply. Look for quality and reliable brands that have decent reviews - they will last exceptionally longer. Try 'Antec power supply' as a starting point.

3. Thirdly, the 9800 GT graphics card is reasonably good and should play a wide range of games on the current market. However, within two years or so, I question whether it will have the potential to run SERIOUS games effectively.

4. Intel Core 2 extreme processor is excellent - essentially it's a quad core. 3.66GHz intel is rather average though, but it will be fine.

5. The price of $2,900 is RIDIUCLOUS! It is absolutely over-priced to the max. My gaming computer now is very good and it cost nowhere near this one.
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All in all, it is fairly good for SERIOUS gaming, and the only component you will need to upgrade later is the accelerator card (9800 GT). I CAN'T STRESS ENOUGH, DO NOT BUY THIS COMPUTER IF YOU'RE NOT A SERIOUS GAMER.

As I said before, If you're just downloading music, videos and online games buy a $500 PC. Here's my recommendation:

* 1 GB RAM
* Dual core processor (better for running multiple windows). AMD 2.0 GHz at least, or Intel 3.0Ghz at least.
*9800 pro - a cheap display adapter which will play runescape on high-definiton and world of warcraft, plus any other online game.

Glad to help.

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Question: What is the range of the Equifax Credit Score?

Answer: Equifax seems to use the FICO Score.

https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit21

The range of FICO scores is 300-850, with most people dalling in the 600's or 700's.

https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit24

Absolutely Free Credit Scores - Credit Score Range - Good Bad Credit Scores

Question: Will having no credit cards and no debt affect my Credit Score?

I have recently paid off all my credit card debt and am going to close these accounts. My current score is in the low 700s. I still have my checking debt card which I can use as a visa. Will doing this affect my Credit Score?

Answer: Having no credit card debt can improve your Credit Score. Closing your credit card accounts will negatively impact your Credit Score. Keep the credit card accounts open that you have had for the longest time (length of credit history is an important component of your score).

If you have more than 2 credit cards that you keep open, you can close the other accounts or simply cut up the cards so you can't use them. Be sure to use the card(s) you keep open a few times each year so the account stays active and you can show you are using credit responsibly.

Congratulations on paying off your credit card debt. That's a huge accomplishment. Your Credit Score is very good and will keep improving over time.

Hope this helps. Good luck!

Bad Credit Debt Consolidation