http://www.funadvice.com/my/advice/jackson en-us First of all, just relax. Bad grades are not the end of the world. And yes, it would be best if you can re-do your GCSEs. There are many courses offered at the highschool level that are intensive in certain subjects so that you can achieve a better grade. Also, many universities, especially in the UK and Austrailia offer whats called Foundation Courses which are usually meant to be taken as a step inbetween highschool and University. Foundation courses are offered by universities. As for whether you are ready to take such a course, you'd be the best judge of that. You might need to improve your academic record before moving on to University, and you may need to work hard to make up whatever time you've missed. But there are always options. This is not the end of the line. jackson Sun, 15 Oct 2006 21:40:35 -0700 http://www.funadvice.com/q/i_got_g_grades_in_my_gcse_exams_i 25014 I always enjoyed Fried Calamari as a starter. But it all depends on your tastes. There used to be one Greek Restaurant near my house and I used to always get the calamari as an appetizer and then a main course of this lemon chicken curry thing that was simply to die for. But if you’re unsure of what to order, just go down to the restaurant and ask them what they think would taste good, describing to them your own individual tastes. jackson Mon, 02 Jan 2006 14:59:00 -0800 http://www.funadvice.com/q/favorite_mediterranean_greek_food 6238 Would you like to know the best place to get answers to a question like that!? http://www.ratemyprofessors.com/ They have over four million ratings for different professors in universities throughout the United States. Check it out! jackson Mon, 02 Jan 2006 14:51:21 -0800 http://www.funadvice.com/q/best_professor_for_next_term_at_university 6237 The short answer is yes. Experian, transunion, and Equifax do take into account how big a certain loan is. And if such a loan is relatively large, and you make consistent payments on that loan, you credit score will be increased. Now in order to repair your credit: Firstly, be prepared: your credit report may contain some surprises. Examine it thoroughly. It might show, for example, an open store credit card that you have not used in years or even a current account that is closed. It is also very possible that the report may contain errors. In the first instance, close any open credit cards you no longer use. In the case of errors, contact the reporting agency immediately to correct them. Although the agency must investigate and respond to your dispute within 30 days, the process of actually correcting the errors could take months. (This is another good reason to examine your credit reports on a regular basis - at least once a year.) You should also Contact all three major credit reporting agencies. Although you may have received your report from one agency — Experian®, for example — you want to make sure each agency corrects its information on you. Use the information below to order your credit report from the three major credit bureaus, then review it carefully and, if it contains discrepancies, take the necessary steps to update it for accuracy: • Equifax: (800) 685-1111 or www.equifax.com • Experian: (888) 397-3742 or www.experian.com • TransUnion: (800) 888-4213 or www.transunion.com If you happen to be in the process of applying for a loan, report any errors you have found in your credit report immediately both to the reporting agency and to your prospective lender. Handling derogatory information in your credit report If your credit report reflects any flaws in your past history — such as a late payment on a loan or credit card — make notes of them. Be prepared to offer a reasonable explanation for these lapses when you wish to approach a lender. If your debt situation has gotten out of control, you probably do not need a credit report to tell you that. Nevertheless, there are ways to remedy the situation - make your life more comfortable and improve the status of your next credit report. Here are some tips: • Contact your creditors. Ask about affordable payment plans. Most creditors will be reasonable about helping to find a solution for you. • Eliminate your high-interest credit cards. • Consolidate your debt. If you are a homeowner, you could take a long term loan through some institutions. Avoid “Credit Repair Company” fraud According to the United States Federal Trade Commission, consumer debt in the United States is at an all-time high. This environment has encouraged unscrupulous businesses to present themselves as “Credit Repair” firms. For a fee, these institutions promise “quick fixes” which may be dangerous at best, and illegal at worst. Often, all these “credit repair” companies offer in return for money is advice to file bankruptcy. Bankruptcy is considered to be the absolute last resort in resolving debt issues. Since it stays on a credit report for ten years, a bankruptcy is obviously not the route to take in repairing your credit. Other companies promise to “clean your credit report” — for a fee, of course — enabling you to obtain a mortgage loan, personal loans, or even employment. The truth is they are unable to accomplish these promises. Often these companies will, after taking your money, simply vanish. Or, they may advise you to obtain an “Employee Identification Number” from the Internal Revenue Service (IRS) and use it to “create a new credit report” by using it instead of your social security number. If you live in the U.S., be aware that making false statements on a credit application, misrepresenting a social security number, and obtaining an employee identification number from the IRS under false pretenses are all federal crimes. Regardless where in the world you reside, remember that there are no “quick fixes” to repairing a credit report. It takes time, effort, and a plan to repay your debt. So basically, what you got to do is: Review your credit report on a regular basis for accuracy. Repair your credit by immediately reporting any errors to the three major credit reporting agencies, as well as to any lender you may be currently working with. If your debt seems out of control, contact your bank and they will help you take steps to eliminate high-interest obligations, arrange for affordable payment schedules, and investigate debt consolidation solutions. Be aware that significant errors on your credit report may indicate unauthorized use of your credit card, fraud, or even “identify theft.” jackson Mon, 02 Jan 2006 14:43:53 -0800 http://www.funadvice.com/q/improving_credit_score_does_the_amount 6236