Consumer Reports

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consumer reports help with paint choice?
I just newly drywalled my kitchen and dining room and need help choosing a good paint. Now I need to seal the drywall with a primer and then paint it. I need help picking a paint that is durable and not really expensive. my living room is an 18x28 and my dining room is a 13x13. Any help will be appreciated.

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Credit Score Questions, Why I can't get a credit card?
I applied recently for a credit card at a local retail store, online. This is the answer I got: Thank you for applying for a Best Buy credit account. Your application was processed for a private label credit card account and a bankcard credit card account issued by HSBC Bank Nevada, N.A. However. we are unable to approve you for either the private label credit card account or the bankcard credit card account at this time. To obtain specific information as to the reasons for this, please write us at the P.O. Box stated below or call us at 1-302-327-2816 within 60 days of your receipt of this letter. We will send you a written statement of the specific reasons for denial within 30 days of receiving your request. The following credit score was used as part of the decision-making process. The credit score is a number that reflects the information in your credit report. This credit score can change, depending on how the information in your credit report changes. Your score: 00571 The score ranges from a low of 150 to a high of 950. Date the score was obtained: 11/11/10 The reasons for the score are: DEROGATORY PUBLIC RECORD OR COLLECTION FILED RATIO OF BALANCE TO LIMIT ON REVOLVE LOANS IS HIGH TIME SINCE PUBLIC RECORD/COLLECTION IS TOO SHORT LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED TOO MANY RECENT INQUIRIES Our credit decision was based, in whole or in part, on information provided by the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit profile. Equifax Credit Info Svcs P.O. Box 740241 Atlanta, GA 30374 800-685-1111 http://www.equifax.com The consumer reporting agency did not make the decision nor is it able to provide specific reasons for our action. Under the Fair Credit Reporting Act, you have the right to receive a copy of your credit report at no charge. To do so, please contact the agency listed above within 60 days of your receipt of this letter. You have the right to dispute inaccurate or incomplete information in your credit report by contacting the consumer reporting agency directly. What do all the reasons mean? Because I am not sure what I am unable to get a credit card. The odd thing that everyone keeps telling me is that I owe a balance somewhere that I'm not paying on. Which is non-existent. I recently found out that I had a medical bill that wasn't paid that I knew nothing about because my mother failed to inform me that she had been receiving medical bills for me for over a year. I called them and I have actively been paying back the bill and am nearly done paying it off. I don't have a large amount of balance on my credit card, I don't even think that I have even half of my limit used. Also, I don't apply for credit cards very often, if at all. I work at Best Buy and I recently applied for the best buy credit card and this is the answer i got. Sadly as well, I didn't know that any of this was going on. I am the extreme-budgeting-junkie. I budget out my bills, my mileage, the chance of me buying a coffee before work or needing shampoo halfway through the month. My bills are always mailed out WEEKS before their due and I've never bounced a check. I never buy anything for myself and I have always feared for having bad credit, even though I'm not doing anything wrong to my knowledge. Could this credit answer I got possibly be wrong? Could something have been misfiled along the lines and completely screwed me over?

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