teficsa.com

By Tim H Lambert

If you’re planning to buy a house or even a car, you’re credit score is a big essential factor. The interest rates that will be offered to you will depend on your three digit number. Lending companies based their offers on your score, the higher the more you save on interest payments. For example, a FICO score of 700 has 0.33% less interest compared to a score of 650. If your mortgage is set at $150,000 for a 30 year period, you can save up to $10,000. Hence, your three digit number can cost or save you thousands of dollars.

In order to get a good credit score, you have to stay by the rules of paying your bills on time, keeping your balances low and preventing from opening too many accounts. The disadvantage is that it takes time to build a good credit history and get a good credit score. What if you are only three points away from saving yourself from thousands of dollars of interest payments? Thus, what you need is a speedy increase in your FICO score. You can achieve that by trying some of the suggestions below.

The first thing to do is to get a copy of your credit report and check it for accuracy. There may be some old debts in it that are still shown and counted for negative ratings. There can also be late payments that are actually paid in time or debts that are shown in outstanding even if they’re not. It can also be debts that appeared in your account but not yours. Even though little, checking for errors may increase your points. This can help you get to the next tier if you’re just a few points away.

If you still need more points, what you can do next is to pay off your balances and keep them low. This may not be a long term solution but it can increase your score especially if you pay in a short period of time. After this, you have to pay your bills on time to create an impression that you are a good customer. In addition, never close an account with unpaid debts. You will appear to be on the limit of maxing out.

Another good thing to do is to spread your balances on your card accounts. It looks better if you have many cards with low balances than a single card with a high balance and the rest with zero balances. In this way, your card won’t seem to be on the limit of being maxed out. However, it is always best to pay your balances if you have the means to do so. Check for the dates when your creditors send reports to your credit agencies to ensure that you pay your bills on time.

You can also try to get help from a lender who is a customer of a rapid rescoring service. In a rapid rescoring service, you will get an increase in your score after only a few days of checking your accounts. This is advisable to those applying for a loan with a credit score close to the next higher tier. Rapid rescoring is not suitable for those with late payments and accounts in collections.

These are some of the options you can try to speed up your credit score increase. Thus, you are not powerless when it comes to matters involving your credit score.

About the Author: Improve your credit score now, go to

CreditScoreBooster.com

. Let the experts show you how to

rapidly improve your credit scores

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=568558&ca=Finances

By Matt Franks

At first glance it seems that nothing could be simpler than to give a bookmark as a promotion item. After all, its only a strip of paper with writing on it. But bookmarks are more than that these days; in fact, its surprising how many creative variations there are on the simple place holder than we all use from time to time.

Of course, the function of the bookmark never changes. A printable bookmark mark a persons place in a book. Most people have several books going at oncemore if you count books such as cookbooks, dictionaries, Bibles, or other reference materialsand will be grateful to get whatever free bookmarks they can get, and as many of them as they can get. Printable bookmarks save readers from having to dog-ear their pages to keep their place, and help keep books looking their best as long as possible.

But even though the function doesnt change, there are dozens of different unique designs for printable bookmarks that your company can benefit from. For example, not all bookmarks are made from paper. Some bookmarks are made from cloth and embroidered with logos or information. Some are made from fine leather and embossed or engraved; these can be given as gifts to valuable clients and employees. Some high quality bookmarks allow for a personalized photograph to be inserted at the top, so that a loved ones face is always present as you read. Others come with lights at the top so that you can read in dim light or darkness.

Some bookmarks are combined with other items. A printable bookmark can also be a flat pen, a magnifying glass, a ruler, a paperclip, 3-D glasses, finger puppets, magnets, stuffed animals, seed packets, pot pourri containers, or sachets.

Printable bookmarks are an excellent investment for your marketing campaign for several reasons. They provide you with a large area in which to publish your logo and contact information. And they are very inexpensive; most are less than a dollar, and even the high quality leather or sterling styles are not as pricey as some other gifts might be.

Printable bookmarks have another rather obvious application that can help your promotional activities. It has to do with their association with books. As a community business, you want to be seen as supportive of local groups and activities. It would be smart marketing to produce several hundred bookmarks for the elementary schools book fair, for the middle schools science fair, or as gifts to the high schoolers who are studying for ACTs or SATs. Attractive printable bookmarks can be given to the library; you could even donate some very nice ones and let the library sell them as a fund-raiserand of course, they would have your promotional information on them.

Promotional bookmarks are useful promotional items because everyone needs them, because they are inexpensive but can still be classy and elegant, and because they show support for causes your community cares about. As a contributing member of that community, your use of promotional bookmarks can benefit everyone.

About the Author: Matt Franks is director of Fluid Branding, the UK’s largest supplier of

printable bookmarks

and other

Promotional Products

at www.fluidbranding.com. For Eco Friendly promotional products, including Recycled, Organic and Sustainable items visit www.ecoincentives.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=312050&ca=Marketing

byAlma Abell

Sometimes it bankruptcy lawyers In Vancouver to find out what some of those options are. A bankruptcy filing will stop the creditors from calling you, and it can help you restructure your debt to make it more manageable for you.

Many bankruptcies are filed due to medical bills. Having unpaid bills is very stressful, and stress works against your health. You may be able to reorganize the medical bills into a payment plan which will not only cover your past treatments but also help you with paying continuing medical treatments. Just like medical bills, student loans are another problem debt. The common myth is that all student loans are not dischargeable through a bankruptcy plan. That is not always the case, as there are certain loans which may be discharged or you may be able to alter the debt payment plan to bring the debt

Call Horak and Boyd and set up an appointment. After you have met with your lawyer and gone over your debt and the issues surrounding your falling behind, the lawyer will be able to advise you of your available options. The lawyer may advise that filing bankruptcy is your best option. The bankruptcy filing will stop all collection legal actions as well as all creditor phone calls.

There are two types of bankruptcy an individual can file. The Chapter 13 Bankruptcy will allow you to restructure your debt into a more affordable plan, and you will be able to generally keep your assets. The Chapter 7 Bankruptcy allows you to discharge some of your debts, but you may have to give up some or all of your assets which include your car and home.

Bankruptcy Laws are very complicated forms of law, and you need to discuss this option with an attorney. The lawyer will be able to provide you with the proper advice you need to make an informed decision about bankruptcy and answer any questions you may have. Bankruptcy lawyers In Vancouver are committed to providing their clients with advice on finding relief to their financial troubles.