A Credit file can be legally corrected, such as late payments, charge offs, student loans, foreclosures, judgments, repossessions, personal Identification, closed accounts, bankruptcies, negative settlements, liens, collections, and much more etc...Of course, a higher credit score means you can qualify for lower rates on any loan and ultimately save thousands as mentioned before. Negative items on your credit reports can often be deleted without having to wait 7 to 10 years. Improve your qualifications for employment since now more than often, employers rely on credit reports to screen job applicants. Do not lose out on that dream job for negative items on your credit reports, because you don't have to. Even Landlords have become increasingly cautious renters, because they use credit reports to determine a renter's eligibility status. Dispute letters can be sent out to refute negative items,and you will start to see changes to your credit reports, you may want to to consider doing a monthly credit score check to see how your scores are improving. A good financial plan is the start to you ensuring financial stability in your every day life as it allows you to have financial independence so that credit never becomes an issue. The Federal Trade Commission and Consumer Protection have enacted hundreds of regulations that the credit reporting companies, collection agencies, and credit bureaus must comply with in order for any reported item to remain on your report.

Credit Restoration can help anyone with bad credit. It is no secret that the best loan terms will be offered to people with good credit, and not bad credit. Therefore it is important for those that need it to have the tools and steps available to them from a blog such as this one about how to restore your credit. A mediocre credit history is not acceptable either, because one can still be looked over, or be forced to make larger down payments, have higher interest rates, and will most likely have their hands tied a lot more. Simply it is just better to establish, and maintain good credit. If you ever notice your credit sliding in the wrong direction you need to take the steps to getting it back to where you want it to be. Start by getting a copy of your credit bureau report. The law allows each consumer to receive a free copy of you report every year. As stated in the previous blog, Make a Plan. If you made a large purchase, make a plan to pay that debt off. You goal is to arrange your loans to be repaid so your credit can continue to grow and get better. Paying off your debt can relieve you of financial burdens and help you enjoy life even more.

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Condolences & Prayers to Whitney Houston's Family!

It saddens me today to hear that one of the greatest ladies of all time has passed on. Whitney Houston had  a beautiful voice that will live on.  My prayers go out to her family and friends, particularly, Bobbi Kristina and her equally talented mother, Ms. Cissy Houston.  Much Love and prayers to you All!!!!!!!!!!!!!

Now that the Holidays are over and the new year has begun, it is the perfect time to organize your finances and position yourself for a better rating so that you may be granted better interest rates when the time comes for you to apply for credit whether for minor or major purchases. It would be most beneficial if you were to set a practical budget, with the goal in mind of paying off all negative debt that is not providing you with any leverage.  Better yet; how about having a goal of being debt free by the end of the year? That would be ideal, wouldn't it?   This blog will assist you on your journey of ridding yourself of sleepless nights and into more relaxing , pampering and enjoyable me time.  We're off and until next time, take care, and be aware of false invitations that lead to credit despair when you are headed for credit restoration.