The best time to dispute erroneous credit report items is when companies merge, says reader Thomas. It's a little gray hat but hey, power to the people. Thomas writes:
"I've found that the best time to clean up problems in credit history is when companies merge with or are bought out by other companies. Frequently, a lot of the payment history details are lost when IT systems are merged. I had a student loan I didn't realize was back in repayment, and it caused me problems for years. Then that student loan company was acquired by another. For the third time, I disputed the information and it was deleted because the new company was unable to provide any details or evidence."
Maybe this is something new that we're missing out on, but since when is there a "rounding" charge? This restaurant in Brooklyn rounded up $.02 to make this bill an (even?) $22.95. Uh, what? Maybe it's part of the war on pennies. —MEGHANN MARCO
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Just saw this on the news (thank you, Katie Couric): HealthGrades is a website giving consumers unprecedented access to health procedure cost and hospital information.
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Travis used H&R Block's On-Line Tax Help last year, and due to an error on H&R Block's part...he's been hit with a $3100 tax bill for a deduction he took but was not qualified for. Travis didn't pay the extra $29 bucks for the "Peace of Mind
guarantee", so Travis will be responsible for the bill. Whoops. H&R Block's included "Accurate Calculations Guarantee" covers "penalties and interest caused by such error."
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Remember that St. Louis couple who bought a $1600 Sony camera from Best Buy, only to find a jar of pasta sauce inside? As we told you, Sony agreed to ship them a new camera but we thought you would like to see their TV interview. Seem like honest folk.
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AllFinancialMatters has a suggestion for preparing for taxtime year round, something easy and low-energy you can do on a regular basis. Get three folders and label them Income, Expense, and Credits. File records accordingly. Ding!
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Papa John's International Inc. received the top rating among national pizza delivery and take-out chains in the Restaurants & Institutions' Consumers' Choice in Chains Survey. The survey rated national pizza chains on " food quality, service, convenience, cleanliness, value, atmosphere, menu variety and reputation." The competition? Pizza Hut scored highest in the "atmosphere" category, but lost to Papa John's in everything else.
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Recently we checked out our credit report and were surprised to see a $500 unpaid charge. It was from a video store we frequented in college. (We could've sworn we returned Wicker Man....) The video store had never sent us any notice and the debt was sold to a collection agency, who had also never contacted us. Odd.
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Latest by jacromer: Any truth to the rumor that waiting to dispute near the Thanksgiving/Christmas holidays increases your chances that the item will more »