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Which is correct, “aren’t I?” or “am I not?” Plz let me know… thx –Kevin, South Korea

Quick explanation

“Aren’t I?” is commonly used and very acceptable in informal language. “Am I not?” is grammatical, but extremely formal, so in most contexts, “aren’t I?” is the preferred choice. The only exception is when you are writing a formal letter or an academic paper, and then you can either use “am I not?,” or even better, restructure the sentence to avoid using either of these forms.

Additional information

As you know, aren’t is a contraction of are (a form of the verb be) + not. It is used in statements and questions, with you, they, and all other plural subjects, as in the examples below.

For singular subjects, like he, she, it, Kelsey, and my professor, the correct contraction is isn’t, as in these examples:

However, for first person pronoun, I, there is no contraction with the verb be + not. (“Amn’t” is not a word in English.) Therefore, in casual speech and writing, English speakers use aren’t, instead, and except in formal situations, this is considered entirely grammatical.

I hope this helps.


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When to use isn't and is not?

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CCB/PPC is a credit report code that stands for Comenity Capital Bank/PayPal Credit. This typically occurs when you apply for a PayPal line of credit or a PayPal Credit account. It’s important to understand the implications of these inquiries on your credit report and how they may affect your overall financial health.

Hard inquiries, such as those generated by CCB/PPC, have a relatively small impact on your credit score, usually causing it to drop by just a few points. However, accumulating too many hard inquiries in a short period can have more significant consequences, potentially causing considerable damage to your credit score.

Lenders and creditors may view a high number of hard inquiries as a red flag, indicating that you may be overextending yourself or experiencing financial difficulties. This perception can lead to higher interest rates or even denial of credit.

Hard inquiries can remain on your credit report for up to two years. Each time you make an inquiry, it is recorded by one or all three major credit reporting agencies: Equifax, Experian, and TransUnion. While the impact of a single hard inquiry diminishes over time, having multiple inquiries on your report can still affect your creditworthiness.

If you believe that a CCB/PPC inquiry on your credit report is inaccurate or undeserved, you may be able to have it removed. Lexington Law is a credit repair company that specializes in removing inquiries and other negative marks on your credit report. With over 18 years of experience, they achieved more than 6 million removals for their clients in 2021 alone.

In addition to hard inquiries, they can also help you dispute and potentially remove the following negative items from your credit report:

If you’re struggling with poor credit and want to learn more about your options, consider a free credit consultation with Lexington Law. They have helped many people in similar situations improve their credit scores and financial standing.

To find out what Lexington Law can do for you, visit their website and fill out the form for a free consultation. Don’t let a CCB/PPC inquiry or other negative marks hold you back from achieving your financial goals.


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What is ccb/mprcc on my credit report?


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