There are serious credit repair
Most people never consider their rights in the process of credit repair
But they do. And knowing your credit repair rights is important.Here is a site with helpful information regarding your rights:
The Fourth Of July
On this, our nations ‘birthday’, I would like to wish every one a Happy Fourth Of July!
I would also ask that you remember all those who have fought, and continue to fight, for the freedoms we enjoy — Freedom Is Not Free!!
There is a cost to this ongoing fight, not just that borne by our armed forces, but by you and I! It is your and my job to ensure that cost has not been in vain.
We are the greatest nation in the world because of our freedoms. We, you and I, have a responsibility to ourselves, our families and friends and our country, in that order, to ensure the freedoms we enjoy. The freedoms which every peoples in the world aspire to and deserve.
The freedom to make their own destiny.
** A Very Happy Fourth of July To All **
The Jedi’s Grandpa
Please, take a moment to watch this video
There are all sorts of credit repair
Here are five strategies that can be effective in helping you correct your credit..
!) Before you do anything ‘Get A Copy Of Your Credit Report’. You are entitled to a free copy once a year. You need to see what’s there before taking any action. You can begin to correct obvious errors yourself by contacting the credit reporting agencies and having them investigate and correct those mistakes. Scan your credit report and looking for mistakes.
If you find errors, then contact the particular credit bureau and let them know. While I prefer doing so in writing via certified mail, they all have contact phone numbers. They will look into it. If they verify that indeed there is an error in your report, they must erase it from your report. Have them send you a corrected copy of your report.
This should instantly improve your credit score. And since mistakes are quite common, there’s a good chance this will work.
And don’t give up. If they don’t remove something the first time, keep after them. It may take two to three months, but eventually you can get that erroneous information taken off.
2) Pay on time
This is one of the simplest methods for raising your credit score. It’s so obvious it might not seem worth mentioning, but it’s one of the most important tips of all.
Can’t pay on time? Contact the creditor directly and see what king of terms you may be able to work out twith them. But do remember to stick with whatever terms you devise.
Creditors
This will not only give you strategies for better money
Look for an agency local to your area, where you can do things face to face. Try o getting a referral from someone you know.
Since they are very experienced in the industry, they may have a much better chance of negotiating better terms for you than if you were to do it yourself.
4) One of the least desirable techniques is obtaining a consolidation loan. This might make it easier for you to pay your creditors, leaving you with just one payment rather than multiples. But exercise caution here. Many have gone this route but began piling up more debt because they suddenly have more money! You need to be very disciplined to use this sort of strategy.
5) Build up your investments
Instead of spending on things you don’t need, start putting a certain percentage of your money away every month for investing. This is easily one of the best methods to repair your credit.
But be wary of scams.
Remember, there are many firms that come after people with bad credit. They claim they are going to help you raise your score. But often times they just take your money and disappear.
How do you spot those companies?
Charging you an up front fee is often an indication you should exercise extreme care in working with the firm. Also, telling you to dispute everything on your credit report even if it’s right, it’s certain they are not legit.
Implementing these tips can help you improve your overall credit rating.
Many of us live paycheck to paycheck, spending without regard to the consequences. Keep that pattern up long enough and you soon discover the money
How you think about money
However, many of us have been taught to think negatively about money. We’re told things like “money is the root of all evil,” It’s not! How you acquire/use it is – ‘Greed’. Another is “money doesn’t grow on trees”. Actually it figuratively can if you know how. No wonder we have such a difficult time thinking positively about money!
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