Обсуждение:Gary's Address

Tasks

Urgent

1. #Ubuntu (laptops/VPS/videostream)
2. #Recording
3. Parental

Normal

1. Impala camera
2. Impala back
3. School
4. Camry accident
5. Impala accident
6. 35 mail
7. IntlClub TIN / registration
8. IntlClub resident
9. Reservoir mail
10. Truck
11. Bus
12. Kushner
13. Home Depot / Citi
14. Andrews / Apple union / Ally
15. Polska card
16. Costco card
17. Colon 703-698-8960

Control

1. Palisade account
2. Cards -- Synchrony, BoA, PNC
3. Medicaid
4. Costco tires 121.701
5. Klarna account
6. Patient First 02-05
7. Kind Dent 02-11 2pm
8. Cigna check 02-24

Done

• Bus PayPal
• #Car purchase

Recording

Both ACR (Another Call Recorder) and Cube Call Recorder are popular choices for recording calls on Android, but they have some differences.

• **Choose ACR** if you want a straightforward call recording app focused on traditional phone calls, with a solid set of organization features.
• **Choose Cube Call Recorder** if you need to record VoIP calls and want a more versatile app that handles multiple communication platforms.

Consider trying both to see which interface and features suit your needs better!

ACR (Another Call Recorder)

**Features**

• Supports automatic recording of calls.
• Allows you to sort recordings by date, name, or number.
• Offers cloud backup options (Google Drive, Dropbox).
• Includes a built-in audio player.
• Has options for different recording formats.

**User Interface**

• Clean and user-friendly design.

**Performance**

• Generally reliable, but some users report compatibility issues with certain devices.

**Free vs. Pro**

• The free version has ads; the Pro version offers additional features and removes ads.

Cube Call Recorder

**Features**

• Can record VoIP calls (Viber, WhatsApp, Skype, etc.) as well as regular calls.
• Offers automatic and manual recording options.
• Provides a backup feature to save recordings to the cloud.
• Has a built-in audio player and editing tools.

**User Interface**

• Intuitive and straightforward, with easy access to recordings.

**Performance**

• Known for good compatibility with various apps and generally stable performance.

**Free vs. Pro**

• The free version has limited features; the Pro version unlocks full functionality and removes ads.

Ally

Our decision was based in whole or in part on information in a report from the credit reporting agency (or agencies) listed below:

• Experian PO Box 2002 Allen TX 75013 888-397-3742
• TransUnion P.O. Box 1000 Chester PA 19022 800-888-4213
• Experian PO Box 40 Allen TX 75013-0043 844-922-2743
• SageStream, LLC PO Box 105108 Atlanta GA 30348-5108 888-395-0277

You have a right under the Fair Credit Reporting Act to know the information in your credit file at the consumer reporting agency (or agencies). The reporting agency (or agencies) did not make our decision for us and cannot supply specific reasons for our decision. You have a right to a free copy of your report(s) from the consumer reporting agency (or agencies), if you ask no later than 60 days after you receive this notice. If you find that any information in the report(s) you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency (or agencies).

Information about your credit score from Experian: We obtained your credit score from Experian and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Your credit score: 779 Date: August 15, 2024 Scores range from a low of 250 to a high of 900 Key factors that adversely affected your credit score:

• Lack of recent installment loan information (Applicant)
• Too few accounts currently paid as agreed (Applicant)
• Length of time revolving accounts have been established (Applicant)
• Too many accounts with balances (Applicant)

If you have any questions regarding your Experian credit score, you should contact Experian at: Address: PO Box 2002 Allen TX 75013 Toll-free telephone number: 888-397-3742 9959ADACN2 Information about Your Credit Score: Experian We also attempted to obtain your credit score from Experian to use it in making our credit decision. A credit score is a number that reflects the information in your credit report. A credit score can change, depending on how the information in your credit report changes. Your credit score was not available from Experian on August 15, 2024. This consumer reporting agency may not have enough information about your credit history to calculate a score.

Information about your credit score from SageStream, LLC:

We also obtained your credit score from SageStream, LLC and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Your credit score: 664 Date: August 15, 2024 Scores range from a low of 1 to a high of 999 Key factors that adversely affected your credit score:

• Limited history for consumer at address & phone (Applicant)
• Not enough debt experience (Applicant)
• Limited history for consumer at this phone (Applicant)
• Too few retail accounts (Applicant)

CapitalOne

Here are some of the reasons why we couldn't match you with this card offer:

   Based on your credit report from one or more of the agencies below, there have been too many recent inquiries
   Based on your credit report from one or more of the agencies below, age of newest bankcard account(s)
   Based on your credit report from one or more of the agencies below, there have been too many recent auto inquiries
   Based on your credit report from one or more of the agencies below, there are too few revolving accounts closed in good standing

Creditor: Capital One, N.A. P.O. Box 30280, Salt Lake City, UT 84130-0285 Please ensure you save this notice for your records as it may not be available if you navigate from this page. Equal Credit Opportunity Act The federal Equal Credit Opportunity act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, 1700 G Street NW., Washington DC 20006. Fair Credit Reporting Act Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons for our decision. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive if inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Equifax Information Services: P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 www.equifax.com Experian: 701 Experian Parkway P.O. Box 2002 Allen, TX 75013 1-888-397-3742 www.experian.com TransUnion Consumer Relations: 2 Baldwin Place P.O. Box 1000 Chester, PA 19022 1-800-888-4213 Information about your credit score. We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. If you have questions about this specific credit score, please contact the consumer reporting agency at the address or telephone number provided. Your Credit Score 740 Date: 2024-09-03 Source TransUnion

Understanding Your Credit Score The Range of Scores Scores range from a low of 309 to a high of 839 Key Factors that Adversely Affected Your Credit Score

   Time since most recent account opening is too short
   Length of time revolving accounts have been established
   Length of time accounts have been established
   Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high