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Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?
While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. There is a company called, Lexington Law who has been doing it for 15 years. Click Here to learn more.
Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.
So, can credit repair companies guarantee results?
Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim. Lexington Law is a respectable company that we recommend.
Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.
The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. If so, it is possible to restore creditworthiness within a much shorter time.
However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you can restore your credit. Learn More.
Applying for a Loan?--Start by Ordering Your Credit Report
If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it's also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate.
Studies have shown that many credit files contain inaccuracies that could affect your credit rating, and even lead to the rejection of a loan application. That's why reviewing your credit report beforehand may be a good idea, giving you time to dispute any items that may be the result of simple human error or a technical glitch.
And depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, different lenders may apply different standards in rating your credit worthiness. For this reason, reading your credit report and understanding how your credit data might be interpreted may give you a chance to improve your credit worthiness from the point of view of a lender.
Before you begin the application process, check your credit report for the following items:
Clerical Inaccuracies
Sometimes credit reports contain inaccuracies that are the result of a computer glitch or a clerical error. These may include payments not credited, late payments, or data mixed in from a credit file of someone with a name similar to yours. Ordering your credit report will quickly show you what the lender will see--then it's up to you to dispute any information that you consider inaccurate.
Excess Unused Credit
To make your credit more attractive to a potential lender, you may wish to consider reducing the number of revolving charge accounts that are listed as active on your credit report. Lenders will sometimes view too much revolving debt as a negative when considering a loan application.
In situations where you have stopped using a credit account, it is often a good idea to close the account if you don't plan to use it anymore. Make sure your creditor notates the account "closed at consumer's request"--otherwise, a prospective lender might assume the creditor closed the account for other reasons.
A few credit cards managed well may improve your chances for a loan--particularly a mortgage loan, where lenders use stricter qualifying guidelines. Another rule of thumb is to keep balances on credit cards around 75% of the available credit limit. Ironically, credit cards that have lots of room on them may be viewed as potential debt, while maxed-out cards make you a less desirable credit risk--both of these situations could compromise your ability to obtain a loan.
30-day and 60-day Late Payments
Even if your credit report contains a couple of 30-day late payment entries that are accurate, many lenders will overlook the occasional late payment if you explain the situation and your credit is otherwise good. Try to avoid any payment being 60 days late however, as this may be a red flag for some lenders--even if they do grant you the loan, it may come at a higher rate of interest and with less favorable terms.
The primary period lenders are interested in on a credit report is the last two years, so try to maintain on time payments, and verify that the payments are being credited properly by checking your credit report regularly.
Avoid Unnecessary Inquiries
Each time a prospective creditor looks at your credit report, an inquiry notation is added to your file, and most inquiries stay on your credit report for up to two years. Inquiries you make yourself, inquiries made during screening for a pre-approved offer of credit, or an inquiry that is part of a background check for employment purposes are not reported to potential credit grantors.)
It is best to avoid over-applying for credit and running up excessive inquiries, for the simple reason that lenders of creditors may think you're trying to get credit due to financial difficulty, or taking on more debt than you can repay.
Lenders do of course realize that some inquiries are a result of shopping around for the best rates on a loan, and so they will often overlook a block of inquiries within a very recent period. It may help if you explain the inquiries in the application process.
Understanding how your credit report affects your financial future is the key to smart credit management. Incorporating a review of your credit report into your financial planning is also one of the best ways to make sure you meet your goals--especially when those goals involve major purchases, and you're shopping for a loan with the most favorable terms possible. Learn More.
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A healthy YOU!
Health and nutrition
We know that low carb dieting works, but did you know that nutritional
supplements can help it work better? First the basics on low-carb
dieting.
Q: What are carbs?
A:
Carbs (carbohydrates) are organic compounds that exist in foods as a sugar, a
starch, or a cellulose (a woody fiber). There are two kinds of carbohydrates:
Simple (refined) carbohydrates are "fast" sugars. They break down into sugar
fast in your system, and cause a rush of insulin to come to help process the
sugar, which then leaves your system unbalanced, with too much insulin. Simple
carbs like cake have been stripped of fiber and nutrients, then processed into
starchy, sugary foods like white breads, donuts, cookies, white rice, pasta, and
such. They sure help you gain weight! They can also lead to a dangerous
condition called metabolic syndrome, which can lead to diabetes and other
serious health problems.
Complex (unrefined) carbohydrates are "slow"
sugars. They break down into sugar slower in your system, and cause a slow
release of insulin, keeping a proper sugar-insulin balance. It's harder for your
body to burn foods like brown rice and whole grains. These unrefined carbs also
make your body burn some fat for energy. These carbs give you slow, steady
source of energy.
Simple and complex carbohydrates are rated with
something called the Glycemic Index or GI. To find out more about the Glycemic
Index, click here.
Q: What does a low-carb
diet do?
A: A low carb diet (perhaps better named a low
simple-carb diet) strictly limits your carbohydrate intake, and forces your body
to burn mostly fat. It can do this because limiting carbs limits sugar. There is
less sugar to burn, so your body turns to all that extra stored fatto burn for
energy! That's why you lose weight on a low-carb diet.
Be sure to ask a
doctor or health care professional if low-carb eating is a good choice for you.
Here are nutritional supplements from Botanic Choice that can benefit your
health during low carb dieting:
High Potency
Vitamin and Mineral Formula makes sure you have all the basics for health.
It contains high amounts of Vitamins A, C, D, E, B-1, B-2 and B-12 for your
protection, plus 12 more important nutrients and minerals.
Vitamin C is
recommended in addition to a strong multivitamin, because C has proven
antioxidant protection. Vitamin C is water-soluble, so it needs to be replaced
frequently.
They can be caused by a number of things including dehydration, hunger, grinding
your teeth, a food allergy, sleeping on your neck wrong, giving up caffeine, and
of course STRESS. Whatever the cause, there's no mistaking that throbbing
discomfort that plague so many Americans. Here are 13 natural remedies to attack
your agony head on.
Tension, Hormonal, Seasonally-Occurring? Try...
Magnesium - Replaces a magnesium deficiency that can cause head discomfort.
Vitamin B-12 - Refills a Vitamin B-12 deficiency that can trigger
discomfort.
Ginger - Stimulates circulation, thins the blood, and helps blood flow
to the surface.
Valerian - Relaxes the mind and, encourages a healing sleep.
St. John's Wort - Promotes a positive outlook after too many "blue"
days.
Licorice - In Chinese herbal medicine, licorice root is an ingredient
found in almost all herbal formulas for the purpose of "harmonizing" the
separate herbs involved. One of its many active
constituents-glycyrrhizin-has been found to possess anti-inflammatory
action.
Angelica - For centuries, Angelica Root has been hailed as the
ultimate remedy and a blood purifier. Angelica is believed to be a
health-protective herbal, as it blooms on the day of Saint Michael the
Archangel.
Skunk Cabbage - Also known as symplocarpus foetidus,this herb soothes the nervous system, which helps to reduce stress and mental fatigue.
Chamomile - Calms the body. Ancient Greeks, Romans, and Indians used this herb to treat disorders of the kidneys, liver, and bladder, and mind. Chamomile works well to promote healing.
Kava Kava - It's been used for three thousand years by the people of
the South Pacific for ceremonial, social and medicinal purposes. Today,
kava is proven to relax and de-stress.
Regular, Ongoing Head Distress? Try...
Melatonin - Physiologists know that melatonin helps to regulates sleep
patterns, and thus promote overall health.
Cayenne - This herb enhances delivery of more oxygen to your brain,
and relieves discomfort.
5-HTP - Your body needs 5-HTP to make serotonin, needed for normal
nerve and brain function. It promotes calmness and sleep.
Feel better by taking care of your everyday stress in healthy ways.
Visit
Botanic Choice to discover other natural de-stressers. It's also good to avoid
dehydration or hunger. Take your regular breaks and lunch times. Eat and drink
sensibly. Most importantly, be good to yourself!
These
statements have not been evaluated by the Food & Drug Administration. These
products are not intended to diagnose, treat, cure, or prevent any disease.
Consult your physician.
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The Importance Of Language Learning
Learning a new language can advance YOUR career and YOUR life..
Why should we learn a foreign language? After all, the whole world speaks English. Well, there's some truth in this argument, but only some. There are many reasons for learning a new language:
Personal Development
By learning a new language, you gain new horizons, but at the same time you reinforce your own identity, and therefore also your self-confidence. A foreign language can contribute to a stronger personality.
Cultural Reasons
It is a fundamental truth that cultures define themselves through languages. A foreign language gives you access to another culture. It gives you the ability to communicate and to exchange views with people all over the world that you would otherwise not have the chance to know.
Educational Reasons
Learning a foreign language opens up a whole new dimension. It has a positive effect on intellectual growth and it enriches and enhances mental development.
Learning a foreign language is especially effective at an early age. It greatly benefits reading and writing in one's own language; there's evidence that, like musical education, it contributes significantly to the development of individual intelligence.
Economic Reasons
In a globalized world characterized by international links and intercultural connections, linguistic skills are crucial for employment and career. The knowledge of foreign languages increases job opportunities in many careers where knowing another language is a real asset.
What makes Rosetta Stone different from other language-learning products?
With the Rosetta Stone Language-learning Software you can learn a new language the way you learned your first as a child - naturally!. The award-winning program doesn't require tedious translation, memorization, or grammar drills. Plus, it's guaranteed so there's nothing to lose. If you're not satisfied, you can return any CD-ROM product within 6 months for a full refund! Try the Free Online Demo now and see how it works!
Benefits of the Rosetta Stone Language Learning Software:
- Choose from 30 Languages: Used by the U.S. Army, Fortune 500 companies, NASA, and over 10,000 schools worldwide!
- Learn All 4 Language Skills: Our balanced curriculum includes listening comprehension, speaking, reading, and writing.
- Available Online or in CD-ROM: Use Rosetta Stone on your personal computer or access anytime anywhere with just an Internet connection!
- 100% Satisfaction Guaranteed: All CD-ROM products are backed by our unconditional 6 Month Money-Back Guarantee - There's no risk!
- Native Speakers & Speech Recognition: Improve your speech by imitating a native speaker.
- No Tedious Memorization or Translation: Systematic structure teaches vocabulary and grammar naturally, without lists and drills.
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Try a FREE Search on Bargain Network Homes to find a home in your area and
price range. Best of all register for a free trial and you'll receive
a free credit report.
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SAVE money and get a whiter smile!
Look great!
Discount dental plans are designed for individuals, families and groups looking to save money on their dental care needs. Participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive dental services at discounted fees.
Why Join a Discount Dental Plan with DentalPlans.com?
Joining a discount dental plan will allow you to save money on quality dental care. Protect and preserve your family's smile and overall health with one of our popular family plans. Our qualified Customer Service Representatives will assist you in finding the right plan and participating provider in your area.
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Discover the advantages of DentalPlans.com, the definitive online source for superior savings, service and selection on quality discount dental plans. Start saving today and receive 3 additional months free when you join one of our affordable discount dental plans starting at only $79.95 a year!
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Starting a new business?
Give your new business a head start!!
Websites crucial to customer buying decision, retention, interaction
Survey finds lack of web site can drive customers elsewhere
PHILADELPHIA, Mar 29, 2007; 1&1 Internet, Inc. (1&1), the
world’s largest Web-hosting company, today announced the results of it's latest survey.
In an age when consumer loyalty can make or break a business, a recent survey found that securing and retaining customers can be as easy as providing a comprehensive Web site.
Commissioned by 1&1 Internet, Inc. (1&1), the world's largest Web-hosting company, the survey of 520 U.S. households, revealed that a Web site improves interaction between consumers and businesses, and lack of a Web site could drive business away.
More than one-third of respondents (36 percent) agreed that lack of a web site would lead them to shop elsewhere or select an alternative business, while 28 percent agreed that they would have "doubts or reservations buying from a business without a Web site." In addition, an overwhelming number of respondents (76 percent) felt it was easiest to contact a business via a phone number or e-mail address provided online.
"Web sites provide a link between consumers and their retail experiences," said Andreas Gauger, Chairman, 1&1. "Providing an online service is essential to keep consumers happy and loyal."
About 1&1 Internet Inc.:
1&1 Internet, Inc. is a subsidiary of United Internet, a profitable public company with a market cap of $4 billion. 1&1 was established in 1992 and hosts more than seven million domain names, while 38,000 servers run on the company's state-of-the-art data centers. 1&1's global community is more than 6 million customer contracts strong. The company's U.S. headquarters is located in Chesterbrook, PA. For more information about 1&1, please visit the company's Web site at www.1and1.com or call 1-877-461-2631.
em>
All other logos, company and product names may be trademarks or registered
trademarks of their respective owners.
Journalists: Access 1&1 press kit materials, logos, graphics, and current
and archived press releases in the 1&1 Press Room: http://press.1and1.com
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