RicardoObviouso

unused credit is viewed by creditors on a scale called "exposure to debt: the debt to earnings ratio" if you have a retail credit card that you've never activated, it doesn't make a difference to the creditor because at any given time, it can be... so either use it every once in a while, or cancel it. toad is right when he says that a credit check shows up on your bureau, but it also lists a reason why the creditor was checking your score to begin with. if it shows a bunch of hits from credit card companies looking for a reason to slap a gold card on your desk, it tells a different story than your bank's advisor simply updating you on your status. to answer your question: yes. call both agencies.... or alternately; click the link at the bottom of the page and make anton some cake.

i considered getting into politics for a bit there... but then i realized that the rest of the politicians dont have much of a sense of humor and i would probably have to give up my position because of some joke or play on words.

rule #1 is that you should know your credit score. you shouldn't have a piece of paper confirm what you already know. if you pay your bills on time and use credit wisely, you have a good score. if you're immature with your credit and lazy with your bills, you don't. requesting and paying for a credit report is the latest scam, it's not necessary and it won't change anything. if you don't give a shit about that and just want some gratification on paper: transunion & equifax are the two agencies used to score credit ratings for creditors in canada. if you have a good relationship with your bank, talk to your contact there -- they have the ability to either show you your scores right on the screen OR request a detailed credit check from both agencies. if they don't, call the agencies yourself and request them.

ive adjusted some of the rules with regards to the rosters and points. here's how it stands: 2x C 2x LW 2x RW 1x Utility 1x IR 4x Defense 1x Goalies 2x Bench Players Points are scored in the following categories (value in brackets): Goal (5) Assist (3) +/- (2) PIM (2) Powerplay Goal (6) Short Handed Goal ;) Game Winning Goal :angry: Shots on Goal (1) Faceoffs Won (1) Goalies: Win (7) Saves (1) Shut Out (25) Because points are being handed out for stats like plus minus and penalty minutes, i'm hoping we'll see deeper and more thoughtful rosters... it would be ideal to put a fighter as your second winger, or a play-it-safe defensman for plus minus ratings for an opportunity to score points in an interesting way.

it wasn't recorded in a day... it was mixed in a day.

is he coming back, or what?

i'm already in two other pools, i just thought it would be cool to have an nf pool. shall we start the PM machine up and personalize the invitations?

for this to work properly, we need at least 10

she's in.

i put max teams 18, right now we have four. four isnt good enough..... how come no nf chicks havent signed up? i think christine would be awesome at this.

i scheduled the draft for 3:30pm PST. did you join?

i would kick your ass at ea baseball any year.

he's a lot smarter than we all give him credit for. i'm hoping some positive reinforcement will bring it out.

if you're going to rip me off, at least bring some substance.

lame, dude.

he walked away, figuratively.

Anyone into it? If we get enough interest, i'll start a private league and we'll do a live draft on Thursday. leave a message here with an ideal time for the draft (takes about an hour if you choose to take part in the live draft) for questions, post. anyone/everyone is welcome. League URL: http://hockey.fantasysports.yahoo.com/league/nfhockey ID: 51717 Password: nearfantastica Type: Points Based Max Teams: 18

its not that suprising, assuming they were sitting together -- in the safest seats in cabin.

doing anything besides drinking in vegas almost seems lame.

nhl 1998.

if i could source out a helicopter and find a way to have it all written off/hidden in the company some how, i think we'd be hitting up the course at the bottom of this page

i'll send my fucking helicopter over.

can you transfer that skill to a wide open fairway full of sand, water and trees?

well jesus christ. i think you should let me write you a doctor's note for tuesday.

thankfully, that wasn't the question