Fixing Your Credit Report Profile In Three Days


If you are the type of person who is always busy and work two or three jobs at the same time, below is a quick-fix method which will restore your credit rating starting in only three days.


Day One: Get your three-fold file from freeannualcreditreport dot com and grab a pen-highlighter in your hand while you read your three-fold reports one by one. You can spend your lunch break at work to focus on any one of the three files. While reading through, highlight any negative item you find and be sure you understand what has been documented there. Make footnotes at the bottom of the page so that you can easily recollect your thoughts while reading.


At the close of work, spare a few minutes to focus on a second version of your file. Remember that you have your Experian, Transunion and Equifax. Repeat the same process as you did during lunch break. Again make footnotes if necessary (it could even be anything you want to do pertaining to your report as long as it will improve it).


Reserve the third file for when you get home and apply same process as you did for the first two, but be sure you get it done that same day. Some people are fast readers and can understand all three reports easily. Consider yourself lucky if you fall into that category.


Day Two: Focus on one report at a time, and on a separate plain and neat paper write out all the negative entries and errors that you need to get rid of. Repeat same for the remaining two files using one paper for one version of your file. Remember that the three bureaus are not the same and you’ll deal with them individually.


Day Three: Begin writing and mailing dispute letters to the individual bureaus using standard mail. And never dispute more than one issue in one letter lest it be treated as frivolous.


Note that you can hire a credit repair law firm if your job is too hectic to permit you to do-it-yourself.


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Q&A: where to receive free credit score?


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More About Boosting Your Credit Score


A followup to a previous article How To Improve Your Credit Score

Having a good credit score is one of the most crucial fundamentals for acquiring financial stability. This is because your credit score does have a hand in just about everything touching on your finances, from getting your credit card, financing your mortgage, finding insurance cover and even finding a job. As you already know, money makes the world go around. It would be great if love did; however, without money, national and personal economies would collapse and anarchy would reign high. This is why you need to figure out how to boost credit score in case yours is in a bad shape.

So, what is a credit score and why should you have a good one?
This is a three digit number that is generated using the information currently present on your credit report. It is meant to predict the risk, particularly, the likelihood that you will default on your credit obligations. Your credit score can be as low as 300 and as high as 850. Basically, a score of 850 means that you are trustworthy and less risky to lend money to while a score of 300 on the other hand means that you are a very high risk borrower. These are made based on the data contained in the free credit reports from all 3 bureaus reports.

Your FICO is composed of five major categories. Here is how your FICO score is determined.
•    35% of your score is determined by your payment history, including all defaults and public records.
•    30% is based on your current debts
•    15% is based on the length of your credit history including how long you have operated your accounts.
•    10% is based on the types of credits you have used such as revolving and installment credits
•    10% is based on the new credit such as credit enquiries and the number of recently opened accounts.

So why do you need a good credit score?
Your credit score can mean all the difference between being approved or declined for credit as well as the interest rate at which you will repay your loan. First off, an impressive credit score can help you qualify for your apartment rental and even get your utilities connected without making the initial deposit.

Your credit score is the major yardstick that your financiers will use to determine whether you are credit worthy or not. Thus, the decision regarding your loan will totally depend on your current credit rating. If your credit rating is high, then chances are you will qualify for the loan. Better still, you can easily get your loan at a lower interest rate. Thanks to a high credit score, you can negotiate better rates on your loans and credit cards. It all revolves around trustworthiness. Thus, with a good rating, you can have a better leverage for negotiating your interest rates.

Finally, potential employers love hiring people with good credit scores. This is because your credit score is a direct reflection of your level of financial organization and discipline.

So, how do you boost your credit score fast?
Building and maintaining a good credit score is an unending process. Thus, the best way to achieve a good credit score is to remain financially organized and learn how to manage your debts wisely. However, if your credit score is damaged, then you need to figure out how to boost your score fast in order to qualify for credit. Here are five simple steps that can help you boost credit score fast.

1. Get your credit report and credit score
You can obtain your free credit report gov from each of the three credit bureaus once an year: Experian, TransUnion and Equifax. Be sure to get all the three reports because they may have a slight variation.

2. Reduce Your Debt vs Credit Ratio
This could be one of the fastest ways to help boost your score according to many experts. Paying off large credit card balances relative to your credit limit. Keeping the debt balances low in relation to your credit limit. They say below 30% of your credit limit is a good figure to maintain. people who have lowered their debt balance have often seen significant boost in their credit score.

3. Do Not Close Old Accounts.
Old accounts are actually a positive thing for your credit. It shows you have a good credit history. When people close their old accounts, they sometimes experience a significant lowering of their score.

4. Carefully examine your reports for errors and inaccurate information
Once you have received your credit reports, you need to look out for all the items entered on them. Surveys show that 25-50 percent of credit reports come with errors and inaccurate entries. These errors may appear on your report when the bureaus mistake you for someone else with the same name as you. The other reason, which can be more serious, is identity theft.

5. Establish the source of errors appearing on your report
Once you have spotted the errors appearing on your report, you need to establish the origin of these errors. Start off by verifying your identity to ensure that your names and address and social security number are correctly appearing on your report.

Upon spotting the errors on your report, be sure to contact the credit bureaus in order to have the errors corrected. In case you are a victim of identity theft, ensure that you contact the police, your creditors and the credit bureaus alerting them of the fraud.

6. Dispute the errors on your report
Apart from errors in your personal information, your credit report may also come with errors in the form of late payments that you actually made on time, closed accounts that are still listed as open and outstanding debts that you have already paid. All these errors can have a negative impact on your credit score hence you need to ensure that you dispute them until they are erased from your report.

7. Manage your debts well
This goes right back #1 and to the rest. Once you have improved your score, ensure that you uphold this status by managing your debts well. And with the items responsible for your poor credit score off your report, you need to develop the discipline of paying your debts on time and keeping the debt ratio low.

The importance of a good credit score cannot be overstated. If you are planning to apply for credit, then you need to ensure that your score is in order. However, if your credit score has been tainted for any reason, then you need to figure out how to boost credit score fast before approaching your lenders.

3 Major Credit Bureaus


In the United States, there are 3 major credit bureaus. There are TransUnion, Equifax, and Experian. These three credit reporting agencies are responsible for amassing information on an individual’s credit history. They collect data from a number of sources called data furbishers.

Data furbishers may be creditors like banks or credit card companies, lenders, utility companies, collection agencies, and courts. Creditors and lenders will give TransUnion, Equifax, and Experian information on how much a consumer has borrowed and on how long it takes them to pay back the loan. Creditors and lenders will give the free credit reports from all 3 bureaus monthly updates about whether or not the consumer has paid their monthly bill on time. Most of them, however, only tell the bureaus about a late payment if the borrower makes their payment more than 30 days after the due date.

Utility companies usually only notify the 3 credit bureaus if a consumer is seriously in arrears in their billing arrangement. For instance, if they have to place a lien on a property to get an electric or water bill paid, they may notify the bureaus. However, if the consumer is only a month late, they will typically not submit a report. Collection agencies notify the 3 credit bureaus if a consumer owes a bill that has been placed with their office. However, not all collection agencies report all of their debtors. In addition, if a consumer makes a payment arrangement with a collection agency, the agency will usually not provide TransUnion, Equifax, and Experian with monthly updates on the payment arrangement. They will simply notify them when the bill is paid in full or settled for less than the full balance. The courts notify the agencies about public records.

The 3 credit bureaus create reports on each consumer, and they provide these reports to lenders, landlords and some other interested parties. These are what we call credit reports. These parties will look at the consumer’s borrowing and repayment habits. Then, they will determine whether or not they wish to engage in a financial relationship with that consumer. In addition, these parties may also look at the consumer’s credit score. The score is derived from taking data from the credit report and plugging it into a special algorithm. Using their formula, the 3 credit bureaus work to create a credit score for most consumers. However, the credit score that most lenders and creditors look at is not the one created by the credit reporting agencies. It is the one created by FICO (Fair Isaac Corporation). They are an independent organization that creates these scores using information from all of the reporting agencies. You can obtain a free gov credit report once an year from the 3 bureaus, but you need to pay a fee to obtain your credit score. Whether that’s your credit score from the 3 credit agencies or from FICO, you usually have to pay a small fee.

To ensure that TransUnion, Equifax, and Experian are fair with consumers, they are regulated by two governmental bodies. The Federal Trade Commission provides oversight for the bureaus. The Office of the Comptroller of Currency oversees the entities that provide data to the bureaus, and they try to ensure that the data is correct.

If a consumer wishes to see their credit report, they can contact any one of the 3 credit bureaus. According to the federal law, TransUnion, Equifax, and Experian must all provide consumers with at least one free report per year. In some states, they must provide consumers with a report every time something negative is noted on their report.

Choosing The Right Credit Monitoring Service


Unless you are a person who diligently follows your own credit report, keeping track of every new itemized detail, you will benefit from a reputable credit monitoring service. The thing that seems to have more currency and merit in the lending industry for consumers is a good credit score. Monitoring what creditors report about your purchases and payment habits is the only way to ensure your score stays about 650 so that you have a fighting chance of being approved for a loan.

Credit monitoring agencies can check your credit report as frequently as you instruct them to monitor it. Of course, more frequency equals a higher payment for the company’s services. Some offer daily monitoring for clients who may be in the process of closing on a house or some other large purchase. The company alerts you right away if there is unusual activity or a negative report and offers you fraud solutions if you need them.

A good credit monitoring company will provide you with the following services:

1) Reports from all three major credit bureaus. The reporting for free credit reports from all 3 bureaus is not always synchronized. You could possibly have an unblemished credit report at one bureau and a lowered credit score at another because of some negative activity. The three bureaus are Equifax, Transunion and Experian. Many companies boast that they report from all three bureaus but verify this information with both the company and other clients.

2) Fast, seamless turnaround. How much impact would a credit monitoring service have if it could only issue weekly reports or if it could only get information to you in three to five business days? It would not be very effective at all. The average turnaround time for a good monitoring service is 24 hours.

3) A monthly bill that is less than $20. In fact, it should be no more than $15 per month. If you pay more than this amount, you should double check your itemized statement from the service. Either you are paying for an extra service that you do not know about or the company is charging far too much for its services. Some monitoring services tack on identity theft insurance because it is one of the incentives they offer at the time you become a customer. The problem is they never bother to tell you that this is something you are paying for with your monthly bill.

4) Multiple methods of accessible contact. While much of the contact provided by credit monitoring agencies will be by email or phone, you need to make sure this contact is not constrained by hours of operation or days of the week. Phone support should be 24/7 and email contact should be real-time response. If the company offers online chatting or text message contact, that is certainly a plus.

5) A specific list of what exactly will be monitored. Some agencies publicize their commitment to alert you if your credit report or credit score changes in any way good or bad, but they should also alert you if there is suspicion of fraud or if a new account appears in your name. What they report is vitally important for monitoring.

6) Explanations. Good credit monitoring services not only deliver the news that something has changed on your credit report, but they also tell you why it has changed. The best agencies follow up their explanations with sound advice on how to improve your report or your score.

7) A free credit score trial offer. Giving customers a free trial period is as good as placing a warranty on your services. Companies that choose to do this are solid and serious. Trial periods typically run from seven to 14 days, though some will give customers an entire month to try out services.

8) An option to receive monitoring for either short- or long-term periods. You do not want to be involved with a service that tries to lock you into a contract and gouges you for early cancellation fees. This is not wireless phone service; it’s credit monitoring. Be sure that you can cancel the service when you no longer need it without penalty.

9) Classy marketing. Companies that have to secure customers through spam messages or an e-campaign that feels like a multi-level marketing scheme will probably handle your credit report the same way. Avoid them at all costs.

When you are selecting a credit monitoring service be sure that you move at your own pace. You never want to be rushed into a decision and hastily choose a company because you are afraid of not choosing them. If they offer you the world now, the same world will be up for grabs when you make up your mind.

Does My Ex Want Me Back? – Common Signs Your Ex Wants You Back

When going through or having just gone through a break up you will probably be constantly wondering “Does my ex want me back“? You will start over analyzing every little thing, every conversation or text message. You might recognize flirting a little more than you did before. Its ok to look into these signs a little further but do not draw any major conclusions just yet.

Common signs your ex wants you back

Some of the common signs that your ex wants you back do include more phone calls than usual, an increase in texting and even e mails. If you two still see each other socially you might notice flirting or intentional subtle touching. These all may be signs that your ex wants you back but you need to keep in mind that if you just go back full blown at this point it might just push them back to where you started at the beginning of the break up. Your best bet in situations like this is to chill out and play it cool. Don’t be totally cold but don’t totally give in either.

Things to remember

It is going to be a normal reaction for the two of you to miss each other and to think about each other a lot. Depending on the duration of your relationship and how close you were it will be a very difficult time. Often when someone is hurting like from the break up they look for comfort in what they know and more often than not that is the very person they just broke up with. Sounds very strange but it’s human nature and you can’t fight that. It is also possible that at this point the both of you are remembering the good times and the good memories. This alone may be drawing you to each other.

Get a strategy, plan, what ever you want to call it just GET IT!

Remember to always be very cautious in this situation. This show of affection or renewed interest could just be your ex messing with you. It’s horrible to think like that but it’s the honest truth. It is at this stage that you need to seriously consider developing a plan. Getting advice from a known professional and making a sound strategy can mean the difference between getting your ex back or not. If you are still asking yourself “does my ex want me back” then you need to get as much information as you can and approach the situation informed.

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When all else fail, here are amazing ways to attract your ex after the break up:

1. Make yourself disappear in his life for a while. You need the space to think and time to do so after the break up and so does s/he. If they keep blocking your attempts for reconciliations and giving you the cold shoulder, you might just end up frustrated. Don’t wait for this to happen. You know better than to wait for respect to be lost. Before this happens, take a time off. Have some time alone and think of the things that you want and wouldn’t want to do. Have a game plan and strategize.

2. Take a chance to refashion yourself. Get a chance to try new stuff that you’ve been aching to try since then. Don’t be afraid to reinvent yourself. Make yourself marketable to your network and to other people that you will meet in the process. Make it a known fact that you are single and ready to mingle. Be proud of your new found independence and make the most out of it.

3. Never ask for help but offer your helping hand when needed. If an ex ask for help with whatever reason be grateful that you can help but the trick that will surely make them get curious is you not asking for help. Because an ex automatically assumes that you are dependent to them. And showing them that you are independent will make them think what is happening. Or what is new with your life that makes you so independent. Give him favours but don’t let him count tabs on you.

4. Let your ex do the chasing. After realizing that they did a wrong thing, they will surely compete for your attention, when this happens make sure that you play hard to get. Let him/her do the chasing just to turn the tables around. Make him/her realize what you have experienced when they did the same thing to you. Never prolong their agony though. Give in when you feel it is time to give in.

Warning: If You Do Not Act Now, Your Ex Is Going To Find Someone Else To Love and Have Sex With!– If you do not do something about this right now, your ex will forever be lost to someone else! You are about to find out exactly how you can get your ex begging to take you back instantly, no matter how messed up your current situation is! You will never be ignored, rejected, or hurt ever again! This is an absolute must know- Click Here

How Can Employers Avoid Workplace Disputes

As an employer, one of your main tasks is to ensure that the workplace will be free from any kind of dispute. Your actions will influence that productivity of your employees and the success of the companys business operations. You can build a good work environment and avoid workplace disputes if you do the following:

* Create and enforce fair policies- Implementing fair policies in the workplace will prevent your employees from overstepping their boundaries and doing anything that can be bad for the companys name and business operations. If they see that these rules are enforced for the sake of the company and everyone in the workplace, there is a higher chance that they will respect and follow it.

* Communicate with your employees- An open communication should exist between you and your employees because it will make them feel more welcome in the company. You should find time to talk and bond with your employees even if you are too busy.

* Respect your employees and treat them equally- You should respect the opinions of your employees, even if their views do not match your own. In addition, you should not treat an employee more favorably than the others because it will create tension in the workplace.

* Provide a safe workplace to your employees. Under the Occupational Safety & Health Act (OSHA) of 1970, you should make sure that the workplace is free from all kinds of hazards. If an employee was injured because of unsafe work conditions, the employer may be required to compensate him for his losses. In order to avoid being involved in this situation, you should implement proper safety guidelines, provide employees with safety equipments and educate or train them on how to respond to emergencies or accidents.

* Give bonuses and other incentives to productive employees – You should give bonuses and other incentives to motivate employees who perform well or do their job properly. It will encourage them to become more productive.

* Give unbiased evaluations to your employees- It is advisable that you provide evaluations to your employees which are based on their work performance, not on your personal opinion about them. Even if you do not like a certain employee, you should be honest when evaluating his work performance because failure to do so may create problems in the workplace.

If you have more questions regarding your responsibilities in the workplace or if you want to learn more tips on how to build a good work relationship between you and your employee, it is advisable that you consult a Los Angeles labor attorney.

How Do I Get My Boyfriend to Trust Me Again? Steps to Take to Rebuild the Relationship

You messed up. Your boyfriend knows it and you know it too. You wish you could take back what happened, but you can’t. You feel as though you’ve completely ruined any chance you may have had for a future with him. You probably haven’t. If you’re asking the question, “How do I get my boyfriend to trust me again,” the answer is really very straightforward. You’re going to have to roll up your sleeves, find all the patience you can muster and get to work making him believe in you again.

Breaking the trust of someone you love is a horrible thing. It leaves a lingering feeling of confusion and regret in their minds. If your boyfriend had no idea of your betrayal until you confessed, he’ll also likely feel very embarrassed. It’s even more overwhelming if he was confronted with it by someone else. It doesn’t really matter if you lied to him, cheated on him or did something you knew he wouldn’t approve of. The end result is still the same. He’s in emotional pain because of you.

Start the path to forgiveness by telling him you regret your actions. Unless you mean it, you shouldn’t be apologizing. You also shouldn’t be trying to piece the relationship back together. You must have and feel genuine remorse for what you did. You need to be able to recognize that it was wrong and that it caused deep pain in the person you love most.

After you’ve made an attempt to apologize, you need to give your boyfriend some time to process what happened. Naturally, you want him to say that all is forgiven and for the relationship to move forward without missing a beat. That’s just not possible. Forgiveness and the rebuilding of trust take time. You made a mistake and for the foreseeable future you have to work on making amends for that.

Depending on what happened, your boyfriend is likely to have some questions for you. These aren’t going to be easy to answer, but you have to do it if you want to save the relationship. You also need to be as honest as you can be without hurting his feelings further. Don’t try and blame him for your mistake. Even though you may feel internally as though you had no choice to do what you did, he won’t see it that way at all. He wants you to take full responsibility, and you need to.

Rebuilding the lost trust is all about establishing new behaviour patterns. Your boyfriend will very likely be suspicious of you for the time being. He may want to check your cell phone more often or he may ask you not to be on your computer in private. If you had an affair, he’s also going to want to know where you are more of the time. You have to be willing to make concessions if you want the relationship to get back to the trusting place it once was. Do whatever you can to appease his suspicions and to show him that you’ve changed. In time, the mistake you make will fade into the background, and your character and love for him will shine through.

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