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Messages - parischic

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1
Financial Aid / Re: Best Way to See Credit Score?
« on: May 30, 2007, 03:37:48 PM »
Hmm, would my previous purchases on international credit cards like MasterCard be included in a credit report when I move to the US, or do the credit organizations only have access to data within the US borders? I'm not really sure if not having a credit score will be significant to me at all, as we don't really have an equivalent system here.

None of my credit information from my european accounts show up on my credit reports, only the accounts opened in the US with my social security number.

2
General board for soon-to-be 1Ls / Re: Buying a Mac Book
« on: May 30, 2007, 03:17:46 PM »
I'd pay more to get the black one.  My white one is 2.5 years old and the white casing picks up dirt from wrists like a magnet.  The letters on half my keys are gone, too.  (I think they've changed this for the newer models.)  I'm replacing mine with another mac book, though I hate replacing a computer that's less than three years old since it still runs fine.

but 200 more?  no way.  just wipe it down regularly.

The white does get scratched pretty easy, but just get one of these: http://store.apple.com/1-800-MY-APPLE/WebObjects/AppleStore.woa/wa/RSLID?mco=E2DCBC2E&nplm=TM779ZM/A  They come in clear, as well as all the colors.  They just snap on and voilą your pretty new MacBook is protected and you've saved $150 by buying the white instead of the black!

3
Wait List / Re: Catholic Law's WL
« on: May 25, 2007, 03:56:09 PM »
I'm not sure what prompted the email from admissions, I returned my WL intention form immediately upon receipt, which was around April 15th.  I also visited the school, maybe that helped?   I think that June is when schools start to firm up their incoming classes.  By June incoming students should be making decisions so they can start finding housing, applying for student loans, etc.

Bonne Chance!

4
Wait List / Re: Catholic Law's WL
« on: May 25, 2007, 02:34:19 PM »
I received an email from the admissions office asking if I wanted to stay on the WL.  I had to respond by 5pm today.  Maybe this means that they're getting ready to go to the WL( or it could just mean that they're updating the WL).  I withdrew from the WL.  I really liked it when I visited and I loved DC, but I've already invested a bunch of $ in seat deposits elsewhere.  Good Luck to everyone!

5
Financial Aid / Re: GRAD PLUS Questions and Answers 2007
« on: May 22, 2007, 04:14:29 PM »
When do we need to start applying for these loans?  I am going to school in the fall and want to clear things up


I have about 1300 dollars in cc debt which I am paying off with a decent job I got for the summer making about 3000 dollars.  I am going to aggressively and quickly pay it off and try to get rapid rescoring to improve my credit score.  I had a stupid medical bill that went to collections while I was abroad in France which brought down my score to a 580 from a 670.  I am hoping to get my score back up to around 670 or higher like it was before.  The collections debt payoff should alone jump the score up 40, 50 points.  Why does it have to take so damn long to process?   >:(

Applying for the loans sounds nervewracking and makes me nervous about it.  Is applying in mid July too late?  I doubt I will have my ccs paid off in full til the first of July and my credit report would not reflect it likely without rapid rescoring.  The rest of my summer money is going to pay rapid rescoring fees and work with lenders to get approved.  I'm sure I'll do it but when do I need to initiate the process?

One way of getting some points is asking for a credit line increase (as long as they don't do a "hard credit pull" resulting in score-eating inquiries).  A CLI helps with your utilization.  For example, you have 2 credit cards Amex has a credit limit of 1000, you have $700 on it (your utilization is 70%), Visa has a 500 limit, you have $400 on it (80% utilization). Your overall utilization is  73%.  You get Amex limit increased to 2000, and Visa 1000.  Your utilization is now 36%.  Most people see score jumps when their utilization drops below 70%, 50%, 30% and 10%.

For the collections, it takes time to get them off your report (aside from waiting the 7 years for them to drop off).  Check the statute of limitations for collections in your state and check the licensing laws for collection agencies (in FL debt collectors need to be licensed, but many of the agencies attempting to collect aren't licensed!)  Dispute the collection, a lot of them will go away with some legwork.  Always ask for VALIDATION (not verification) that the debt is yours before agreeing to pay.  Stay off the phone w/ the collections, you have no paper trail with phone calls.  If they validate properly don't pay them before send out a Pay For Delete letter, there are sample letters on the web, (certified mail return receipt, NEVER put your signature on a letter to a collection agency).  Get them to agree to delete if you settle with them (also negotiate what you're willing to pay)  If you pay a collection, but don't get it off your credit report then you are no better off.

All this is what I've learned through my experiences and research on repairing credit.  Your mileage may vary.  Check out www.creditboards.com/forums it has tons of info on slaying the credit dragon!

Hope this helps!

6
I noticed that the Mac Stores have classes...has anyone done one of these? I've only ever used PCs, and I need someone to show me how to do the different commands. I'd like to take a class so that I don't have to ask my b/f every time I don't know how to do something.

Or is that a waste of time?

Are these classes you have to pay for or the free ones they offer in the store?  Whenever I go into the Apple store I always get sucked into  whatever demonstration they have going, but they all seem to be the creative programs on Apples (Iphoto, itunes, imovie, garage band, aperture), rather than the functional ones (maybe I'm just not around when they do those demos).  I reccommend the iPhoto/iMovie demo.  

7
Zone, ask at the store if they have any of the last edition left (new, not refurbished) in the storeroom.  I did this in Jan when I bought a new MBP for my mom.  I got the exact model that we wanted (for the very basic user the updates really don't make that much of a difference) and I ended up getting an additional 10% off!

8
Another thing to think of in deciding When to buy, usually in August (at least for the past 3 years) Apple has run a rebate deal for students purchasing new computers.  If you purchase during August thru mid-sept you get a free ipod nano (a few years ago it was the mini, now its the nano).  If you already have one, these make great holiday gifts!

9
All right, I'm about to pull the trigger on a MacBook Pro 15" and I need some advice.

2.33 GHZ processor vs. 2.13 GHZ processor - worth the extra $$? Or is it not a big difference?

I checked with my law school, and examsoft is avail. for Mac.

I do have a couple of kooky Mac vs. Windows questions, though -

Will a pdf file work on a Mac?
Will a jpg file work w/ Mac?

Anything else I'm missing?


In my opinion It's not worth the difference for the 2.33 processor.  I love my macbook pro!  Get the warranty (you have up to a year to buy this after you purchase your laptop from Apple).  Do those prices include your 10% student discount?

PDF work on Mac, they open with the Preview program.  Also, a nice feature of macs is that when you save a file, you can also convert it to pdf.  JPG files work on iPhoto, or you can open them with Preview.  If you're a serious photographer check out Aperture!!

10
Where should I go next fall? / Re: Colorado - questions?
« on: May 20, 2007, 01:10:45 PM »
I have a few questions, some LS related.

I loved Boulder the few times I visited, but I was wondering if its a college-town with not many singles over the age of 25?  Do many 1Ls find summer employment?  And most importantly, are the student rate ski passes?  Do you ever have time to hit the slopes?

Cheers!

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