Francis Said:

College Credit for military training or OJT real world work experience and training.?

We Answered:

Obtain a copy of your experience and classes if any from both sources and take it to a college in which you might enroll and ask them to evaluate your record./

Laura Said:

Where can I get credit for work experience, for degree?

We Answered:

University of Phoniex online or Apollo Group

Clinton Said:

What is the most credits that high schools will allow for work experience credits over four years?

We Answered:

california it is 20 :D which is alot cause most classes are 5 credits each and 20 credits of work experience is a year here becasue you get 5 per quarter...grossmont union high school district...

Troy Said:

Are there any accredited universities that offer "work experience" credit that goes towards a degree?

We Answered:

Lots of them do -- but they are not generally well respected.

Clinton Said:

I applied for the California Highway Patrol. I have college credit, but no work experience...help!?

We Answered:

It would help to show you care about your community and the people in it. Volunteer work would go a long way in showing that, and would also give you valuable work experience.

Good luck!

Ryan Said:

does anyone have any good experience with credit repair companies that work ?

We Answered:

I really get a kick out of people who tell you not to use a credit repair company because you can do it yourself. I usually tell them they had better not use a mechanic when their car breaks down then because they can fix their car themselves, too. When undergoing credit repair, if you don't know what you are doing, you can end up damaging your credit even worse than it was when you started. Therefore, like your car, you should let professionals do it.

Credit and Debt counselors are good for some people. Usually you only want to use these services if you are confident that you will NOT need your credit again for at least five years. Using those type of services will generally generate poor credit for up to 10 years.

What makes a company "professional"? Lexington Law is the largest credit repair firm in the country, are they professional? If you ask me, I would answer NO. They guy who sells those so called credit holy books, is he professional? Again, NO. So what determines a professional company from one that is not?

Read this article as a beginning point. It will tell you of 10 things to look for in a legitimate and professional company. The company you choose does not have to meet all 10 criteria to be professional but they should meet at least seven out of these 10 items.

The TRUTH about Credit Repair: Aren't They All Scams or Illegal?
This topic is a really hot one right now. People are falling victim to so many scam artists out there who are taking people's money and offering false hope.

What is credit restoration? It is a means by which one can have negative information removed from one's credit file by using the more than 300 different laws contained in the Fair Credit Reporting Act (FCRA). If you know how to use and manipulate those laws, you can successfully remove any information from your credit report, even if it is legitimate. This is possible because of many factors, but chief amongst these is that there is no law in any jurisdiction in the United States which REQUIRES information about you be reported for seven minutes, much less seven years. The truth is that anyone can write to the credit bureaus to have negative information removed from their file. But, like fixing your car's engine, it is usually better to have a professional do it for you. If you don't know what you are doing, you can end up doing more harm than good.

That is easier said than done. Currently in the United States, there are ONLY A FEW legitimate credit restoration companies. Each has their strengths and their flaws, but they are professionals with many years of experience backing them up. Unfortunately, this cannot be said about most people in the country who are performing credit repair. What has happened in many cases that I have investigated is a person bought a do-it-yourself kit over the internet and had some success with their own credit file. Problem is, now they think they can repair anyone's credit. This is what worries me most. An untrained, unlicensed, un-bonded and uninsured person handling other people's credit files. There is absolutely NO accountability if, or rather, when this person screws things up.

It is up to you to do the research. You should ask a lot of questions and perform your due dilligence. If you can't do the bare minimum to protect yourself, then don't come crying to me if you are taken for all of your money. But, to help you determine the scams from the legits, I have compiled 10 tips on how to tell the difference:

1: If they advertise that they will repair your credit in anything less than 18 months, you are not dealing with a legal company. The LAW requires that any credit restoration agency cannot advertise or represent that they can restore or repair your credit in less than 18 months. (Remember this number, it is going to come up again later.)

2: Check on how long the company has been in business. If they have been around for more than 10 years, you are probably dealing with a reputable company.

3: Do your due dilligence. Check with the BBB. The BBB will provide an unbiased report of how many complaints have been filed against the company in the previous three years. There are two things that you want to consider here. First, if there are more than a dozen complaints over the previous three year period, then this company has serious issues and you should be concerned. Also, if the BBB has no file at all on the business, just walk away from the business. Anyone who is hiding from the BBB should be looked upon with suspicion.

4: Ask for pricing when talking to one of their reps. If they hem and haw about what they charge, or say that it depends on how much they have to remove from your report, they are hiding something from you. A good rule of thumb, if the rep is unwilling to answer any question of yours up front and with honesty, you are not dealing with a legitimate company. This does not mean that if the rep states that they will answer the question in a moment, that they are hiding something. It just means that they are getting there and just need to lay a little groundwork first. Remember, reps are all salespersons. They are there to sell you their service. This is good, believe it or not. This encourages competition in the business and keeps costs down. (Which reminds me: DON'T PAY MORE THAN $1200 PER PERSON FOR THE SERVICE.)

5: Ask if the company is licensed, bonded and insurred. Ask for proof. If they will not provide you with their bond information, (which they MUST have in order to obtain their license and insurance) this should raise alarm bells.

6: Ask for examples of successes the company has had. A legitimate company will have copies of investigation results (with personal information blacked out of course) that will show you how successful they can be.

7: How long are they going to work for you? Yes, that's right, remember that these companies work FOR you. If they are just going to maintain a business relationship with you for the length of time it takes to repair your credit, beware. What often happens in these cases is that after the company has cleared negative information from your credit report they sever their relationship with you and a couple of months later the information returns to your credit report. Now what are you going to do? Your options are to leave the negative information and suffer for 7-10 years or hire someone, again, to remove the information, again. A reputable company will stay with you for the FULL 18 months (I told you this number would come up again). This allows them to continuously monitor your credit reports and remove any negative information that may re-insert itself after the initial sanitizing.

8: What other services do they offer? If they are a legitimate company, they will have rescources that will help you to re-establish yourself in the financial world. Things like the ability to help obtain a debit card even if you can't open a checking or savings account. (Yes, believe it or not, it can be done!) Can you call their credit advisors any time for advice? Is legal representation available if you have to go to court against the credit reporting agencies? ASK! If the company is letgitimate, they will have a team of lawyers that will handle these kinds of legal matters for the duration of your contract.

9: Does their contract advise you of your rights? If not, why? Because they don't know the laws! And if they don't know the laws that are designed to protect you, how can you expect them to know the complexities of the Fair Credit Reporting Act which has over 300 laws?

10: Is there a money back guarantee? In this business refunds are usually prorated. In other words, if you have 50 negative things on your reports and they can only have 30 removed, you are refunded 40% of your money since they were able to get 60% of the information removed. If there is no money back offer, run away! A company that has faith in their services will offer to refund the money if they can't do the work.

If you have any further questions regarding this or any other credit issues, you may feel free to contact me at nebula7693@yahoo.com

Eileen Said:

College credit for work experience??

We Answered:

Each college has its own requirements for granting credit for untraditional learning experience (learning outside of a classroom).

You need to contact the registrar at your community college and find out what, if any, credit it would be possible for you to get.

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