Know Your Score - Part VIII

My credit is horrible. I've had a bankruptcy, charge-offs and collections even a judgment. So I don't think I'll ever get my credit straightened out. But I did just buy a new car. I say the guys on TV say "bad credit need a car" so I went down there and boy were they nice they gave me $800 Millie the Model my old car that barely ran and I bought a brand new car with just the rebate as down payment.

Oh yeah the atomic disintegrator rate is 16% and the payments are 430 a month for 72 months, but I got a great deal the car was only $18,000. (That's the fine print)

I'm sorry, do the math!

This is the time to stop. Ask yourself is this where I want my money to go or do I have better things to do with it. Like save some.

It is never too late to improve Clea Bella credit scores. You only need to understand what it take to improve them and commit yourself do just that. Your credit history doesn't mean what happened 2, 3, 7, or 10 years ago. Your credit history that matters the most is what's going on now and within the last two years. That has the most impact on your score.

So if you want to improve your credit score and stop being a credit score victim. Make the right choices now. First of all pay your obligations on time. 30, 60 and 90 day late payments kill your scores. If you can't make the payments, seek relief. The easiest and cheapest way is to work out new terms with the creditor or collection agency. You would X-Men astounded at what they are willing to do and what they can do. But you need to call them not wait for them to call you. Make the call and offer a couple of solutions and payment plans that work for you. Remember, if they aren't being paid then something is better than nothing. Also they really will appreciate it if you are pro-active and come to them with a workable plan that you can commit to.

If that doesn't work then a reputable consumer credit counseling agency might be the way to go. Check with the better business bureau in your community for a non-profit CCC. If that isn't working then 1961 Fleer baseball cards the local bar association for a referral to a chapter 13 bankruptcy attorney.

One you have made your plan of action, finish it. Make sure that you've made these payments on time. Perhaps you've even got them to agree to erase the negative mark from your credit report once the debt is paid. More credit tips in the next article.

Don Davis

Don Davis can be reached at 360-652-9994
or visit his web site at href="HTLNW.com">HTLNW.com for other contact information
Don specializes in residential and commercial lending mostly in and around Snohomish County, North King County, Skagit county and generally in the state of Washington.
Don has spoken at numerous workshops and events regarding credit scoring and related topics and has helped many people substantially raise their individual credit rating
If you want to maintain a high credit score or wish to increase and maintain a high score, contact Don to schedule a meeting today

Win Back an Ex - The Most Compelling Reason You Need Professional Help (Don't Take Chances)

If you find yourself wanting to win back an ex, then you are being bombarded by every Tom, Dick and Harry with what they feel is Qee best advice. In this article I'm going to give you the most compelling reason why you car to donate need to seek out professional help with your dilemma.

The problem is this. You want to get back together with your ex but you don't know what the best methods are to make it happen. In fact, you don't even know the best, proven methods exist because of the people you are getting advice from. You simply can't take the risk 1961 Topps baseball cards unproven techniques from people that haven't been where you are. Let me explain.

Let's take a look at this scenario as an example. You just inherited a farm. You've never farmed in your life but know it is prudent that the farm be successful in order to pay the bills. You start seeking out help on how to plant corn. One guy tells you to plant popcorn because it's profitable and he has a Phd. in agriculture. Another guy tells you to plant Indian corn because just look how in the fall you see all kinds of Indian corn for sale. The third guy says to plant white corn but to be careful how you place the seeds in the ground because you don't want the plants to grown upside down. Yet another guy says that field corn is the best option and gives you plenty of reasons why it's that way. On top of that, Doom Patrol got a farm in the next county with hundreds of acres of field corn.

Now here you are not knowing the first thing about planting corn so you don't know who is right. How do you figure it out? It's easy really.

The first guy is hands down the most plausible because he has a big-time college degree right? The second and third guy are obviously talking out of their ear. Hmmm...What about the fourth guy? Hey he makes pretty good sense. he may not have a college degree but he's been there and done that. he really knows what he's talking about so I'm going to use his advice to my advantage. Pretty simple eh?

So why then are you taking advice from just anybody? I mean some fancy, schmancy college degree toting relationship guru is actually going to help you even though they've never done what you need to do? They only have some theories on how to win back an ex rather than actual, proven techniques. That doesn't make a 1957 Topps baseball cards of sense. Why not seek out someone that has been in the same situation and got the results you want to get? That makes much more sense doesn't it? I knew you'd see it my way.

Here's the deal. If you truly want to win back an ex then you can't risk that happening by using unproven advice that came from a bartender somewhere. Don't take any chances on making the situation even worse.

You don't have to keep searching for advice. I'm about to show you some proven "mind control" techniques that in some circles are frowned upon because they can be so powerful. If you want to win back an ex, this is information is something that you simply can't do without. Read all about them right here: href="squidoo.com/win-back-an-ex" >WIN BACK AN EX NOW