Credit Quotes - Page 39

• Old models of farming with chemicals and credit mostly favored privileged men.

  Frances Moore Lappé

  Men, Farming, Chemicals

  Interview with Karen Brown, blog.etsy.com. July 23, 2013.

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• Gentlemanly, principled, helpful behaviour by older men vis-a-vis young women goes unnoticed, but it deserves real moral credit, and we could use more first-person testimony from the beneficiaries and practitioners about that too.

  Catherine Wilson

  Real, Men, Behaviour

  Source: www.3ammagazine.com

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• I never had credit card debt... I was very much about trying to gain my freedom, so it was about saving.

  Jenny Mollen

  Trying, Cards, Debt

  Source: www.cosmopolitan.com

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• What I've seen in my own life is that when I get something important done it's because of a lot of other people - some who get credit, some who don't.

  Barack Obama

  People, Important, Done

  Source: www.vanityfair.com

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• New York has done an excellent job. And I give credit - I give credit across the board going back two mayors, two police chiefs, because it has worked. And other communities need to come together to do what will work, as well.

  Hillary Clinton

  Jobs, New York, Two

  "Trump vs. Clinton: Full Transcript Of First Presidential Debate 2016". www.ibtimes.com. September 27, 2016.

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• In Palm Beach, Florida, tough community, a brilliant community, a wealthy community, probably the wealthiest community there is in the world, I opened a club, and really got great credit for it. No discrimination against African- Americans, against Muslims, against anybody. And it's a tremendously successful club. And I'm so glad I did it.

  Donald Trump

  Beach, Successful, Florida

  Transcript of the First Debate, www.nytimes.com. September 27, 2016.

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• While many of the established media make losses or go bankrupt, WikiLeaks has survived a major conflict with a superpower, including an unlawful economic blockade by its banks and credit card companies and the detention of its editor. We have no debts. We have not had to fire staff. We have never lost a court case related to our publishing. We have never been forced to censor. Adversity has hardened us.

  Julian Assange

  Adversity, Loss, Fire

  "'We Believe in What We're Doing'". Interview with Michael Sontheimer, www.spiegel.de. September 30, 2016.

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• You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts are reported, which is typically seven years from the date that the account was settled. Unlike with bankruptcy, there isn't a separate line on your credit report dedicated to debt settlement, so each account settled will be listed as a charge-off.

  Jean Chatzky

  Years, Long, Debt

  Source: www.nbcnews.com

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• You fall a bit behind on a credit card bill, your interest rate soars, your minimum payment rises, and you start falling more and more behind every month. You don't see an end. But you don't want to file bankruptcy either. What you can do - and should do - is negotiate.

  Jean Chatzky

  Fall, Cards, Want

  Source: www.nbcnews.com

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• Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in hand, it gives you a positive listing on your credit report - even though you haven't paid the full amount. Get this agreement in writing.

  Jean Chatzky

  Writing, Agreement, Hands

  Source: www.nbcnews.com

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• Once the settlement is completed, the credit card company will report it to the credit bureaus, which will then make a notation on your credit report that that account was paid by settlement. That's going to signal to future lenders that you left the last guy hanging. That's why, as with bankruptcy, debt settlement is an extreme option, one you shouldn't take lightly. It's not just an easy, cheap way to eliminate debt.

  Jean Chatzky

  Guy, Cards, Debt

  Source: www.nbcnews.com

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• A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan or home equity line of credit (HELOC), refinancing a mortgage, or taking out a personal loan. They then use this cheaper debt to pay off more expensive debt, most frequently credit card loans, but also auto loans, private student loans, or other debt.

  Jean Chatzky

  Home, People, Cards

  Source: www.nbcnews.com

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• You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC [ home equity line of credit ] - you're taking an unsecured debt and turning it into a secured debt.

  Jean Chatzky

  Home, Needs, Cards

  Source: www.nbcnews.com

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• If you default on an unsecured debt, you won't lose anything (except points on your credit score).

  Jean Chatzky

  Debt, Default, Score

  Source: www.nbcnews.com

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• When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to mortgage debt, you are securing that credit card debt with your home. That's a risky proposition.

  Jean Chatzky

  Home, Cards, Debt

  Source: www.nbcnews.com

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• In about one-third of credit card consolidations, within a short period of time, the cards come back out of the wallet, and in no time at all, they're charged back up. Then you're in an even worse position, because you have the credit card debt and the consolidation loan to worry about. You're in a hole that's twice as deep - and twice as steep.

  Jean Chatzky

  Worry, Cards, Debt

  Source: www.nbcnews.com

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• You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not use them again.

  Jean Chatzky

  Mean, Cards, Use

  Source: www.nbcnews.com

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• Even in the days of the tightest credit in 2008, HELOCs [ home equity line of credit ] and home equity loans were being made.

  Jean Chatzky

  Home, Lines, Loan

  Source: www.nbcnews.com

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• The interest rate you receive, however, is contingent on your credit score.

  Jean Chatzky

  Score, Interest, Rate

  Source: www.nbcnews.com

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• Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers anyway. But if you do, remember that the less credit you have available, the less trouble you can get into.

  Jean Chatzky

  Cards, Lines, Chance

  Source: www.nbcnews.com

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• Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.

  Jean Chatzky

  Cards, Accepted, Good Things

  Source: www.nbcnews.com

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• Ebay was involved and gave up 150 million passwords. Target was attacked and gave up 40 million credit card numbers. Attacks like these are happening on a regular basis, both in the United States and around the world and the costs in terms of privacy or security in our financial sector are truly extraordinary.

  Donald Trump

  Ebay, Numbers, United States

  "CNN Newsroom" with Carol Costello, www.cnn.com. October 3, 2016.

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• I actually like taking a mic and plugging it into an amp and giving it to a kid to see what they do, 'cause they flip out. They're way more in touch with their voices than we give them credit for.

  Alan Sparhawk

  Kids, Voice, Giving

  Source: pitchfork.com

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• I've always found credit isn't just something you take - it's something people give you when they see how hard you're working.

  Hillary Clinton

  People, Giving, Found

  Source: www.elle.com

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• Sometimes you have to give credit to the other guy pitching.

  Joe Maddon

  Giving, Guy, Pitching

  Source: m.mlb.com

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