Wednesday, February 20, 2008
5 Steps to Improve Credit Rating
So you've had a tough time paying the bills lately and your credit rating has suffered. But don't panic. Even the worst credit mistakes can be fixed. It just takes some time and effort.
You can get yourself back on track by following these 5 steps to improve your credit rating.
1. Pay your bills on time. This can be tougher than it sounds when you're living paycheck to paycheck, but it's perhaps the most important thing you can do to keep your credit strong. Even if you can only afford the minimum payment for awhile, it's vital to avoid late or missed payments.
2. Don't close old accounts that are paid off. Part of your credit score is based on the ratio of your total debt compared to your credit available. Closing old accounts will reduce your available credit and your credit score may suffer.
3. Order copies of your credit report from Equifax, Experian, and Trans Union. This is such a simple step, but many people never do it. If you're going to have any hope of improving your credit, you need to know what you're up against.
4. Dispute inaccuracies. Review your credit report carefully to spot any inaccurate or outdated information. If you see something that doesn't look right, question it. You should do this in writing by contacting both the credit agency and the institution that reported the incorrect information.
This process can be time-consuming and requires a good deal of follow up. You may want to consider hiring experienced credit repair lawyers to help you.
5. Speaking of credit repair specialists, you must be extremely careful who you choose. There are a lot of scammers out there looking to cheat you out of your money. Make sure you choose a legitimate and reputable firm to avoid being ripped off.
To discover how to avoid being scammed and to read about the only bad credit repair specialist we recommend, visit http://www.scam-alerts.org/credit-repair-scams.html
06/07 NHL Season - A Fans Perspective
Well once again the curtains are drawing on our summer fun and the hockey season is upon us again.
The only certainty is that no one can be certain of this seasons outcome. Just like the wager I made in Vegas this summer no one can predict who will take home the cup. My own prediction was hardly a calculated one as I took Vancouver Canucks to win the cup at 20 to 1 odds and in a league where the likes of the lowly Edmonton Oilers can make a serious run for the cup as they did last season the best we can do is guess.
The salary cap and rule changes that were instated last season have without a doubt changed the game and for the most part it has been for the better.
The salary cap has forced teams to balance the make up of their team both on the accountants desk and the players bench and most teams have chosen not to hang their fortunes on the hats of one powerhouse line. Those teams, who are going against this trend like Tampa Bay who has spent 27.6 million on their first five players, will soon see if they can compete in the new NHL using old NHL economics. In may ways the Stanley Cup can be won in the boardroom long before the players hit the ice?
As for the rule changes, I am sure we have seen the final product in last seasons Cup final, fast furious and hellishly entertaining it was hockey at its best but in my own opinion still not perfect. I personally miss the rough stuff along the boards and in front of the net; I would love to see a slight modification of the interference rules to allow for rougher play in the lower defensive zone. Anyone entering this area is running the gauntlet and would have to pay the price of admission. It would also reduce some of the injury issues goalies were facing last season, when forwards were making full speed rushes to the net and frequently colliding with the tender.
The NHL has undoubtedly entered a new era which focuses on skill and exceptional fiscal management. For the hockey fans, I believe that we all have a better more balanced league to enjoy giving each of us a chance to cheer for a contender.
All About Baby - Shoes & Accessories
Keith Rispin is a terminally ill hockey fan and owner of All About Baby - Shoes & Accessories, specializing in NHL merchandise for your children. Sleepers, slippers and more from Lil Jos, Pam GM.