A new member, somewhat on right track but need your experience to help me!!
Hi Folks!! I am here just like most of you are...to rebuild my credit. Here is a little bit of back ground.
I am 23 now and got my first credit card at 18 not knowing anything about credit. Just like most of the teen agers, i got 3-4 credit cards. Maxed out blah blah. I got into an accident, thought I paid all the medical bills. 7 months later i found i forgot one. It had gone to collections. At that point, i was dumb, i stopped paying for everything. 3 years later, i realized I need to grow up and get a better score. Paid of most of the collections in full and some settled. A few of them actually took it completely off my credit so its gone now. Credit score went from 460 something average to about 560 for experiean, 642 transunion and 642 Equifax based on Credit Karma.
Got an account with a very reputable credit union California Coast Credit union and also Navy Federal. Opened the following accounts based on my sitaution and how much I know about credit now.
CapOne: $500 secure card as soon as I paid off the collections.
CapOne : $500 regular card offered after 3-4 months of regualr payments.
California Coast: $1000 Secure Installment Loan. Navy Federal: $2900 credit card offered when i joined, accepted it.
Navy Federal: $14000 credit card cosigned with my parent.
Navy Federal: $27k auto Loan cosigned with mom and another $12k loan cosgined which are both actually my own cars. Just refinanced them now under my name too.
Income at the moment is about 60-70k. I am making sure i keep the total balance on credit cards under 30%. Now my questions are.
What tips can you guys give me?
Do i have to keep balance under 10-30% at all times or can I pay them off at the end of the month? Can the balance be liek 40-50% mid month and be paid off at the end of the month? This way i can charge everything to credit card instead of debit and pay at the end.
What happens if i pay off the installment loan ahead of time? Does it hurt me or benifit me?
Is cosigner as good of an imapct as being the main owner on CC or Car loan?
I have heard that i need to make 13 on time payments to be able to get a huge boost in my credit via auto/installment loan, Is that true? What if i sell the car before that and pay it off?
Thank you very much!!!
thatslowkid wrote:
Hi Folks!! I am here just like most of you are...to rebuild my credit. Here is a little bit of back ground.
I am 23 now and got my first credit card at 18 not knowing anything about credit. Just like most of the teen agers, i got 3-4 credit cards. Maxed out blah blah. I got into an accident, thought I paid all the medical bills. 7 months later i found i forgot one. It had gone to collections. At that point, i was dumb, i stopped paying for everything. 3 years later, i realized I need to grow up and get a better score. Paid of most of the collections in full and some settled. A few of them actually took it completely off my credit so its gone now. Credit score went from 460 something average to about 560 for experiean, 642 transunion and 642 Equifax based on Credit Karma.
Got an account with a very reputable credit union California Coast Credit union and also Navy Federal. Opened the following accounts based on my sitaution and how much I know about credit now.
CapOne: $500 secure card as soon as I paid off the collections.
CapOne : $500 regular card offered after 3-4 months of regualr payments.
California Coast: $1000 Secure Installment Loan. Navy Federal: $2900 credit card offered when i joined, accepted it.
Navy Federal: $14000 credit card cosigned with my parent.
Navy Federal: $27k auto Loan cosigned with mom and another $12k loan cosgined which are both actually my own cars. Just refinanced them now under my name too.
Income at the moment is about 60-70k. I am making sure i keep the total balance on credit cards under 30%. Now my questions are.
What tips can you guys give me?
Do i have to keep balance under 10-30% at all times or can I pay them off at the end of the month? Can the balance be liek 40-50% mid month and be paid off at the end of the month? This way i can charge everything to credit card instead of debit and pay at the end.
What happens if i pay off the installment loan ahead of time? Does it hurt me or benifit me?
Is cosigner as good of an imapct as being the main owner on CC or Car loan?
I have heard that i need to make 13 on time payments to be able to get a huge boost in my credit via auto/installment loan, Is that true? What if i sell the car before that and pay it off?
Thank you very much!!! Since you have an auto loan, the additional secured loan does not help your FICO scores. Pay it off and use that 1K for your emergency saving fund. You only need one installment loan for the credit mix portion of your scores. You could close the secured Cap One card and get a QS1 card in its place.
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I want to get iBook, Facebook and Skype to my iphone 4.2.1 through my iTune, but I coudn't because it is said that it requires a newer version of iOS. Please I need your help. Thanks
If your iPhone can't be updated to a higher iOS version then the only way to get them is if you downloaded versions of them which were compatible with iOS 4.2.1 and you still have copies of those versions somewhere e.g. on your computer or on a backup - only the current version of each app is available in the store, and as apps (and other content) are tied to the account that downloads them, you will need to have older copies that are linked to your id
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New Member, with nowhere to go,but up!
Hi, No idea where to even start. I found this forum a few weeks ago through a link someone posted in a group I belong in. I sat on here for hours reading through threads. It's a lot to take in all at once. And I am not sure I still understand abbreviations and lingo, even after studying the post for a great while. I will try to give us much information as I can, and hope someone is able to read threw all of it and make some sense. Any advice would be greatly appreciated. I figured I have nowhere to go at this point, but up! My husband and I got married very young and we struggled to raise a child. We relied heavily on a credit card I got before we married, and my husband had made bad financial decisions before we met. Raising a baby on a fresh out of bootcamp salary with debt, we got way over our heads fairly quickly. We turned to my parents for some financial advice and after going everything with us, they offered to help and make a budget for us, as to keep from getting into the same situation again. Things got better for awhile. Paid off the credit card that was in collections, as well as the tmobile account that had also gone into collections. We made it by for awhile. A few months later we got some new credit card offers and thought we had learned our lesson the first time and surely would be able to control our spending this time around. Fast forward several years, 12 new credit cards later, and a couple of loans from a military lending company. We were way in over our heads, and considering bankruptcy. However, do to my husbands career it really wasn't an option. And a bulk of our debt wouldn't have been able to be filed under the bankruptcy anyway. In February of this year we were a month or two behind on most of our bills (except rent and utilities) and about 3 months behind on one of our car loans. We were just trying to hold on until we got our tax refund. Then, we got hit with another big bump and when we went to file our taxes, saw someone had logged in and fraudulently filed our federal return. When we called and spoke to the IRS we were told it could take up to 180 days to get our refund as it needed to be investigated. We had been keeping the car in a garage at our complex and one morning my husband noticed he was being followed by the repo man. Once again my parents were willing to help us out one last time. I had finally hit rock bottom and had had enough living this way. We paid the past due balance and fees and got our auto loan current. By the end of February this year we were able to get caught up on all of our past due bills. It was nice being caught up. However at this time we had 7 accounts that had gone in to collections. A few being there for quite some time. Three out of the 7 were my husbands. I had better credit when we met so most of the credit cards were offered to me. In June we had enough money to pay off the almost 6k in collections debt. I had been receiving several calls a day from each company and ignored them all. As I had read it would be more beneficial to have all of the money set aside, and offer to settle at a lesser amount. I wanted to pay these off, not make payments. We were ready to get serious about digging ourselves out of debt. I was able to settle the debts at about 55-65% of the balance owed. It felt really good being done with all of them! We paid my parents back the money they helped us with in February, in April. So we started July with no bad debt, and an on time payment history since March. I know it doesn't sound like much to most, but for us, it's been a huge relief. I have adopted several of Dave Ramsey's concepts. I have a debt payoff calculator that puts us being completely debt free March 2019 at the very latest. Doesn't include any extra money we bring in, or account for pay raises, tax refunds etc. As of right now, we have 8 credit cards between us, which are all JUST below the limit. Totaling $19,611. And an account with a furniture store $3707. And both of our cars have $18,761 left. So a total of roughly $42k in debt. We've paid off just over 10k in the last year. And plan on paying off the furniture next month (it will save us roughly $600 in finance charges) and 3 credit cards totaling $1550. That will free up $295 a month!!! I haven't signed up for the credit monitoring yet. Turbo Tax was supposed to give us free 2 year monitoring after the issues but the code didn't work. So I am thinking about bitting the bullet and signing up my husband and I. But for $60 a month for both of us, I want to make sure it will be worth it! We have credit tracking through Capital One and my score was 537 and my husband a 587. I knew it wasn't GOOD, not even close but I was OKAY with it as it was a start. But our auto company just started giving free fico scores and mine is a 440. Which was a HUGE shock. I knew the one through Capital One was a "fako" score but I didn't realize it was off THAT much! Anyway, hopefully this all made sense to someone and someone was able to make it through all of it! I appreciate any advice! Thank you :-)
redbeard wrote:
First, absolutely wonderful work on digging out. Its hard, extremely hard, but you have come a long way. Its awesome that you paid back your parents, as a priority.
Make sure you put a bit of money away for a rainy day. Having a few dollars put aside can save a LOT of stress.
Also, unless you are really in need of a monitoring service, put that money towards paying down debt and just use something like Credit Karma for now. It doesn't give actual scores, but right now, you know they are in the tank, so spend some time and work on the reports overall.
In general (tough love style advice), if you recently were close to getting a car repo'd, paying cash for a monitoring service is simply avoidance behaviour. Put the money towards solving the real problem, get the monitoring service once progress is well underway.
Dan
I agree with Redbeard - don't even worry about a paid monitoring service at this point. Put EVERYTHING you can against the CC debt. Use free sites like Credit Karma and Credit Sesame to monitor the contents of your reports, but don't even worry about scoring right now. Use the debt snowball approach to pay the cards down as quickly as possible, and when you've got it (the CC debt) down to around 30% of what it currently is, then you can start looking at scores and see where you are. At that point you can start strategizing how grow your scores. In the meantime, try attecking the derogs on your reports with GW letters and PFD any remaining unpaid items. -
Can someone help me, I have an imac and it suddenly wont recognise the wireless keyboard and tracker pad. Have just replaced batteries and hard resarted the mac but wont work. I have tried another wireless mouse which works but dont have another keyboard. It is password protected so cant get in to do urgent work. Help please.
Hello,
You could try booting from the install disk #1 (holding down the "C" key while starting up with the disk in) that came with it and then running disk utility to repair the disk. Then restart.
Booting into safe mode (holding the shift key right after the startup tone) and then after it comes up in safe mode, restarting can also help this issue.
Booting into single user mode and running fsck may also help..
http://docs.info.apple.com/article.html?artnum=106214
Hopefully it is just a simple error on your HD that is causing this problem.
(if you have already done all this before posting, i apologize for suggesting the obvious first... im new to this board and just trying to help!)
Hopefully this helps!
-J
Message was edited by: Cutthru
fixing my tarabull spelling. -
Getting a new iMac - overwhelmed w info here but need help
Hi,
I'm getting a new iMac next week and need help with Blackberry Bold 9000 issues and syncing with iCal, etc on the machine. I have been told that I can buy an app for about $30 that will sync the BB with the mac programs but reading here, I am confused - are some of the posts here and the KB notes related to syncing directly with the mac software or are they only for making a separate BB desktop for the mac?
I have looked at several of the KB notes but I haven't found the answer yet.
thanks.
marcelcat
Bold 9000 owner since Feb 2009What’s the difference between:
8GB 1066MHz DDR3 SDRAM - 4x2GB http://Add $200.00...
(from 4GB 1066MHz DDR3 SDRAM - 2x2GB)
and
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I presume 2.8GHz Quad-Core Intel i7 is bigger, or more powerful than the 3.33GHz Intel Core 2 Duo of the 21.5” iMac model. Correct?
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Looks like a simple query but need your help
Hello everyone,
I have a simple problem but I can't get over it. Actually, it looks like a simple problem, but I can't do it. So,it's probably not... Anyone can help me with this?
Imagine the following data:
ALTER SESSION SET NLS_DATE_FORMAT = 'DD/MM/YYYY HH24:MI:SS';
SELECT TRUNC(SYSDATE) - TO_DATE('01/01/11', 'DD/MM/RR') FROM dual; -- 564
DROP TABLE runs;
CREATE TABLE runs
start_date DATE,
end_date DATE
-- generate some random data
INSERT INTO runs(start_date)
SELECT TO_DATE('01/01/11', 'DD/MM/RR') + trunc(dbms_random.value(0,564))
FROM dual
CONNECT BY LEVEL <= 10000;
-- still generating sample data
UPDATE runs
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I need something like this:
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Week 2: 02/01/2011 - 08/01/2011 1111 22222
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And I also need a cumulative average by week and by days (mondays, tuesdays...). This cumulative average needs to be based on all the preceding rows.
Can anyone help me with this query? I'm using Oracle 10g
ThanksHi,
Something along these lines :
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with all_data as (
select to_char(start_date, 'IYYYIW') as wk
, to_char(start_date, 'dy') as dy
, (end_date - start_date)*86400 as duration
from runs
week_data as (
select wk
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, round(avg(case when dy = 'tue' then duration end)) as avg_tue
, round(avg(case when dy = 'wed' then duration end)) as avg_wed
, round(avg(case when dy = 'thu' then duration end)) as avg_thu
, round(avg(case when dy = 'fri' then duration end)) as avg_fri
, round(avg(case when dy = 'sat' then duration end)) as avg_sat
, round(avg(case when dy = 'sun' then duration end)) as avg_sun
from all_data
group by wk
select wk
, avg_mon
, sum(avg_mon) over(order by wk) as cum_avg_mon
, avg_tue
, sum(avg_tue) over(order by wk) as cum_avg_tue
, avg_wed
, sum(avg_wed) over(order by wk) as cum_avg_wed
, avg_thu
, sum(avg_thu) over(order by wk) as cum_avg_thu
from week_data
order by wk;
WK AVG_MON CUM_AVG_MON AVG_TUE CUM_AVG_TUE AVG_WED CUM_AVG_WED AVG_THU CUM_AVG_THU
201052
201101 9836 9836 8737 8737 9088 9088 12167 12167
201102 7639 17475 10319 19056 7391 16479 8036 20203
201103 8275 25750 8883 27939 8525 25004 11682 31885
201104 7029 32779 10850 38789 7360 32364 7617 39502
201105 10292 43071 11421 50210 11141 43505 9469 48971
201106 11612 54683 9762 59972 11464 54969 9517 58488
201107 8645 63328 10206 70178 10124 65093 11917 70405
201108 11466 74794 11678 81856 10839 75932 9587 79992
201109 8745 83539 6803 88659 8963 84895 9496 89488
201110 10443 93982 8104 96763 10314 95209 10908 100396
201111 8183 102165 9467 106230 11495 106704 12040 112436
201112 8575 110740 9207 115437 10338 117042 9561 121997
201113 10273 121013 6268 121705 11288 128330 12335 134332
201114 10176 131189 8561 130266 10367 138697 7983 142315
201115 10587 141776 12073 142339 8528 147225 12271 154586
201116 9393 151169 10761 153100 7901 155126 10020 164606
201117 11459 162628 9471 162571 10136 165262 8188 172794
201118 11946 174574 9997 172568 9367 174629 10475 183269
201119 12869 187443 9848 182416 7692 182321 9632 192901
201120 9675 197118 7408 189824 11646 193967 9614 202515
201121 10742 207860 10302 200126 9208 203175 7543 210058
201122 8083 215943 8323 208449 10045 213220 9498 219556
201123 11838 227781 8820 217269 8804 222024 10485 230041
201124 8748 236529 12143 229412 9684 231708 8402 238443
201125 11504 248033 10586 239998 10073 241781 9573 248016
201126 7289 255322 14241 254239 10100 251881 11843 259859
201127 10855 266177 9980 264219 10320 262201 11023 270882
201128 11004 277181 9975 274194 11609 273810 8945 279827
201129 10488 287669 9402 283596 11985 285795 9481 289308
201130 7338 295007 8963 292559 11982 297777 8177 297485
201131 9778 304785 10024 302583 10732 308509 10749 308234
201132 10360 315145 12577 315160 8643 317152 10001 318235
201133 9845 324990 10416 325576 9996 327148 10548 328783
201134 9540 334530 8138 333714 9401 336549 9093 337876
201135 7000 341530 9920 343634 10370 346919 10937 348813
201136 11307 352837 8889 352523 12339 359258 8491 357304
201137 11785 364622 9146 361669 9232 368490 11023 368327
201138 7857 372479 6784 368453 8502 376992 12558 380885
201139 9842 382321 10616 379069 10435 387427 7848 388733
201140 10578 392899 9402 388471 8806 396233 9927 398660
201141 6711 399610 13015 401486 9934 406167 10011 408671
201142 10088 409698 10380 411866 7836 414003 9205 417876
201143 8132 417830 11772 423638 10792 424795 10834 428710
201144 9921 427751 7454 431092 9551 434346 10754 439464
201145 13196 440947 11600 442692 11303 445649 10455 449919
201146 12022 452969 8996 451688 10221 455870 12567 462486
201147 8965 461934 10068 461756 10607 466477 13486 475972
201148 9483 471417 9264 471020 9601 476078 8685 484657
201149 11738 483155 9000 480020 10284 486362 11263 495920
201150 10338 493493 10237 490257 10357 496719 10984 506904
201151 10777 504270 11138 501395 10543 507262 9840 516744
201152 9881 514151 10692 512087 11432 518694 10122 526866
201201 11089 525240 8077 520164 12391 531085 9649 536515
201202 9871 535111 8326 528490 9449 540534 10551 547066
201203 10625 545736 11609 540099 9626 550160 5795 552861
201204 8856 554592 9679 549778 10722 560882 11064 563925
201205 9379 563971 9943 559721 8409 569291 11656 575581
201206 10843 574814 10070 569791 12162 581453 10764 586345
201207 8424 583238 8484 578275 8382 589835 8716 595061
201208 11159 594397 10415 588690 11459 601294 11317 606378
201209 11264 605661 8244 596934 9682 610976 10192 616570
201210 11514 617175 9322 606256 9101 620077 10571 627141
201211 9348 626523 7501 613757 12297 632374 11170 638311
201212 10523 637046 7605 621362 10348 642722 10068 648379
201213 10411 647457 11686 633048 10212 652934 9574 657953
201214 9394 656851 10526 643574 8521 661455 9829 667782
201215 8994 665845 12256 655830 8243 669698 10592 678374
201216 11491 677336 10939 666769 12846 682544 9708 688082
201217 9737 687073 9611 676380 7244 689788 10943 699025
201218 9024 696097 11286 687666 10033 699821 10314 709339
201219 9851 705948 9851 697517 9159 708980 9917 719256
201220 7785 713733 10490 708007 8534 717514 8528 727784
201221 11107 724840 8197 716204 8926 726440 10834 738618
201222 8093 732933 11853 728057 11697 738137 10081 748699
201223 9371 742304 10796 738853 11068 749205 9904 758603
201224 10600 752904 8487 747340 10838 760043 8009 766612
201225 11090 763994 9595 756935 10736 770779 9387 775999
201226 8234 772228 12759 769694 9119 779898 8422 784421
201227 9738 781966 9383 779077 8978 788876 11635 796056
201228 11687 793653 10302 789379 9459 798335 10608 806664
201229 9245 802898 11290 800669 798335 806664
82 rows selected -
I downloaded a new itunes card for $25.00 but it did not register
I downloaded a new itunes card for $25.00 but it did not register help!
The amount is already credited to your account. Purchase something and it will use this balance.
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New to the World Mac and I need help with the internet?
Hi All,
I've purchased a second hand eMac from a local College last summer and I've finally got around to connecting it to the internet (after 20 + years of working and using PCs). All is great or I thought???
There is a few problems that I still encountered and hopefully someone can help?
The spec of the Mac is 1 GHz PowerPC G4 (768 MB SDRAM) running Mac OS X Vers. 10.3.9.
For the internet I connect via Safari 1.3.2 (v312.6). However, I cannot access Hotmail, selected sites outside of the UK and also when I go into Facebook the interface (layout) is a mess and I can't access various options available. I tried to download Safari 4.0.4. for SnowLeopard, but it won't allow it as I don't have the Billings of Materials?
Does anyone know how I can resolve the above or point me in the correct direction.
Many thanks in advance, JJWelcome to the Apple Discussions!
Version 1.x of Safari is old in Internet years, and many sites using advanced coding (or non-standard coding) won't render properly. Later browser versions have more support for the non-standard HTML that for instance MS webpage programs generate as well as support for more recent authoring tools. Which is a long-winded way of saying you're on the right track, you need to update your browser.
The later versions of Safari require OS X 10.4 or later. Your eMac can be upgraded to 10.4 or 10.5, but it'll be easier to first try a free third-party browser such as Firefox or Camino or Opera (Version Tracker and MacUpdate are good links to start from when looking for software and updates).
Note: moving among different browsers on different platforms, I can confirm that it's all too common for sites to render differently, with layouts off from a little to a lot.
As for being blocked from non-UK sites and Hotmail, if that still crops up with Firefox, check to see if the school that sold you the computer had proxy servers set yp that might be blocking some sites. You can also go to Apple menu, System Preferences, show built-in Ethernet or Airport depending on which one you use, click on the Proxies tab, and see if anything is checked/active there. -
When streaming a movie with the new Apple TV, and using a DSL Internet connection, all audio sound works, e.g., the music track, but the audio track with the actor's voices, does not work. What can I do?
Hi Brian,
Thanks restoring and restarting didn't fix my problem - i have started it fresh and still it doesn't work. Basically I press ONCE on the remote, after the machine has not had any commands for 10 minutes, and the cursor skips from one end of the menu to the other - so I can't choose network or update software etc - I sometimes manage to stop it randomly in the middle of the menu if I press on a command in the middle of the cursor skipping all the menu steps...not sure what the problem is but I have basically not used my brand new apple tv since I bought it for that reason! I should call Apple support I suppose! grrrr hate wasting time with stuff like this!
Thanks for your help though!
Pernille -
How to I get music I purchased before the iCloud was created to show up on my new authorized iPhone? Right now I can only see the Apps I recently purchased on the actual phone but older music I purchased on my CPU using the same Apple ID doesn't appear.
Does any music show in the Purchased tab on the iTunes store app on your phone ? Music can't be re-downloaded in all countries, and even where it can be it will only appear whilst it remains in the store. Do you have your purchases on your computer and/or on a backup of your puchases so that you can sync them to your phone ?
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How can I turn off Recently Visited Websites when opening new Safari window?
After tapping on the two overlapping boxes on the bottom right of Safari, a new blank window appears with Favorites, but now in iOS 8, recently viewed websites are listed. How can I turn this function off? I do NOT want my new Safari windows to have history displayed of previous websites I visited. I only want my Favorites (on the top) to be displayed. Please help.
Thank you for your time, patience, understanding, kindness, and concern.Thanks for replying, but that isn't the answer I am looking for. Also, there is no + sign, UNLESS you do tap the overlapping boxes.
Let me try to ask my question a little more clearly:
When I tap the two overlapping boxes on the lower left (the option to Open New Windows), the new Window that appears will show your Bookmarked FAVORITES. But with my new iPhone 6, and the new iOS 8.0.2, when I tap the two boxes to open a New Window, my Bookmark Favorites show (as they always have and should), but below them, there is a dividing line underneath them, and it says Recently Viewed Websites, and has these websites available to tap.
So my question is, HOW DO I TURN THESE OPTION OFF?
*UPDATE (10.13.14): Since I have asked this question, I no longer see these Recently Viewed Websites under my Bookmarked Favorites in my new Window tabs. So I hope that Apple fixed it, or somehow it was a mistake, or somehow I changed an Option on my iPhone 6 that stopped this for reoccurring.
Thank you for your help bobseufert! I appreciate your concern, kindness, and the time to try to help. I am grateful.
Have a blessed day. -
When I have video clips on my timeline, they do not play in the monitor screen. I hear the sound track but can not see the image. To test if my new files are somehow the problem, I went back and used video files that I used successfully a year ago, and they no longer play in the monitor window. I hear the sound track, but do not see any video. Have I changed some setting that controls video playback in the monitor window?
Randy Ruttger
Thanks for the follow up.
Missing in this equation were the version of Premiere Elements that you were using and the computer operating system on which it was running. But...
The deed is done. But.....Until now and after you went ahead and moved to version 12, we now learn what version of Premiere Elements you were using. We still do not know the computer operating system involved.
You just said Premiere Elements 10. Premiere Elements 10 is hit by a serious known display issue if the computer uses a NVIDIA GeForce video card/graphics card. In this issue, the only remedy is to roll back the driver version to about May 2013. The description of the problem and how to do the roll back are described in one of the Announcements at the top of this forum. What video card/graphics card does your computer use?
On another front, Adobe will be releasing a new version of Premiere Elements any day now. No one but Adobe knows the feature set for the new version. That type of information is announced at the moment of release of the new version.
So the remedy to the problem that you presented in this thread could have been...
1. Rolling back the NVIDIA GeForce driver version to about May 2013 if possible (Windows 8 or 8.1 64 bit, may not be possible)
2. Move to another version of Premiere Elements (which you did)
I offer the above for consideration so that you can review your decisions. We are pleased to learn that Premiere Elements 12/12.1 works for you.
Please do not hesitate to ask questions and ask for clarifications, but remember that the answers are in the details.
Best wishes,
ATR -
I have got a new iphone recently. But I can't restore in app purchases. I have tried many times to reset it threw email and never got the message. I know I'm checking the right email I get your advertising messages there. I'm 85% sure I'm using the right answers! This has been very frustrating! Please help make this right!
We are fellow users here on these user-to-user forums, you're not talking to iTunes Support nor Apple.
The reset link for the security question will send the email to your rescue email account : http://support.apple.com/kb/HT5312 - that is the email account that you are checking, and you've checked the spam folder on it as well as the inbox, and tried clicking the reset link again ?
If you aren't receivineg the email then you will need to contact Support in your country to get the questions reset.
Contacting Apple about account security : http://support.apple.com/kb/HT5699
When they've been reset you can then use the steps half-way down the HT5312 link above to view your rescue email address to check that it's correct, in case you need to use it in the potential future use
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