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annual credit report guide
Credit Does Matter By Frank Carrasco Yes, approved! No, not approved! We have reduced the result of a credit transaction to the two previous statements. Credit is not just a situation or a circumstance credit is a life-style. A life-style that can be richly fulfilled with the appropriate development of habits. Habits that we form from the word approved. Everyday is a new day for someone with bad credit to make it right or for someone with good credit to make it wrong. No matter what the situation consumers find themselves in, it is never permanent but consumers tend to live in the past. Credit does matter and that is the bottom line. In the world we live in today, there is only one word that is understood in all languages. The word is credit. Mention credit to anyone and the response is “YES“. Yes, I understand credit. When in reality, most only know how to pay bills by the due date and couldn‘t read their credit bureau report if their life depended on it. Credit is evolving everyday to become more and more of a benchmark for our societies‘ worth. Many companies have given the half hearted attempt to help consumers with credit issues by allowing consumers to acquire credit. The truth is the companies are not doing them any favors. Many companies are keeping the consumer upside down on their loan because of the outrageous interest rate. Consumers are pushed into getting home loans where the interest rate will adjust in so many years and then what.....? All we are doing in our society is setting consumers up to fail if they do not keep up good credit habits. So, for the consumer with credit issues, the goal is to establish a credit worthy life and overcome any circumstance
The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.
Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>
From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>
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Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>
During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>
Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>
How much should I give, and where should I give?]]>
Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>
For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>
by establishing good credit habits.
The other type of consumer that has great credit, needs to pre-plan and acquire the means necessary to handle any circumstance that may arise to protect the credit status they have worked so hard to get over time. Great credit is time consuming in all regards because great credit comes with great responsibility. The responsibility to respond to any changes to their credit status immediate. For example, have you ever been charged for something on your credit card statement you didn‘t purchase? It could affect your minimum payment and what if you sent the wrong amount and then now you have a late payment on your credit report. IT HAPPENS! Watch out. The one idea for someone with great credit is to calculate the total monthly payments of all your bills place approximately 6 months as reserve into an interest bearing account so you get the cherry on top. Yes, you could place it into an account which will gain more but that is up to you. The end result is that the consumer with great credit has built good credit habits and will then have to take their credit worthiness to a new level by securing the credit status with reserve monies.
Credit does matter and building credit is an ongoing process that will only continue. Consumers that have bad credit or credit problems will turn to some form of credit repair. Either, doing it themselves or having others do it for them. Consumers with great credit will only need to continue to enforce good credit habits and step it up a notch by saving for those “what ifs“. Ultimately, credit is life and life is credit so better credit leads to a better life-style.
Frank Carrasco www.whatthefrank.com is the “Authority On Credit“.
Here are some more christian credit articles...
All About Choosing The Best Credit Card
By William King
Michael, 25 years old and working in United States for past one year was on the verge of going bald from trying to figure out the best credit card among the tons of emails that he received almost Read more...
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Discover The Better Way Of Living With Christian Credit Card Debt Consolidation
By Tom Frederick
At present, various financial services are playing a vital role in enhancing the status of our lives; credit card facility is one of them, it offers the card holder an untroubled way to spend money. Read more...
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Getting Credit Cards After Bankruptcy
By William King
It is not uncommon to go through the agony of facing a bankruptcy and spending many a sleepless night worrying about whether you have any chances of getting credit cards after bankruptcy. This might Read more...
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The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.]]>
Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>
From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>
]]>
Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>
During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>
Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>
How much should I give, and where should I give?]]>
Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>
For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>
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