Essay On Credit Score

Essay On Credit Score
One may decide to pay cash for everything but, there are reasons to focus on obtaining and keeping a good credit score. The first step toward
understanding how credit affects ones' life is to check the credit standing. One can get two of their credit scores for free on Credit.com. This
completely free tool will break down the credit score into sections and give a grade for each. For example, how is the payment history, debt and other
factors affecting your score, and get recommendations for steps that can be taken to improve ones' credit. It is possible to get a free annual credit
report from each of the major credit reporting agencies Equifax, Experian and TransUnion once every 12 months. This does not give the credit scores
but, it does...show more content...
This is known as a hard inquiry, and it usually knocks a few points from the credit score.
Bad credit reports can affect ones' life in several negative ways. With a bad credit report and a low credit score, it is harder to receive a credit card,
an automobile loan, a mortgage, or possibly a job. It is important that one is always aware of the credit decisions made. Paying bills late, maxing
out credit cards, and filling out too many credit applications in a brief period will also have a negative impact on the credit report. To keep a good
credit report, one should pay bills on time and apply for credit sparingly. Last, but certainly not least, one should check their credit report annually!
A free credit report is available from each of the three credit reporting agencies each year. This is something one should take advantage of since it
will help them judge whether they are managing their credit wisely. It is imperative that one keeps a good credit score. If not, one could miss out on
many opportunities. For example, one may find an opening for their dream job that they are qualified for, but the negative credit report causes them to
not get the job. Do not let this happen! Maintain a good credit report and opportunities like this will not pass by!
People have become increasingly dependent on credit. Therefore, it's crucial that one understands personal
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My GPA Score
I did not achieve the high score in some of the courses, and I would like to bring the attention to the background of my GPA score. The current
GPA score does not accurately reflect my knowledge level. In these courses, the professors believed that an 'A mark' reflects the highest level of
knowledge and can only be achieved by those with experience in the field. Thus the highest possible grade for students was set at a B. If granted
acceptance, I will prove that my abilities and knowledge in these courses are on par with my peers or higher. Please list strong and weak points about
yourself. As a strong point I would consider positive thinking, fast learning and dedication to my work. Also learning from mistakes, but not only made
on my own

My Post-Test Scores Analysis
Looking at the form to compare my pre–test scores to my post–test scores surprised me. I thought since I could only ride the bus twice as well as have
this class my endurance would be better. So the 12 minute run, I could not meet my goal of going further. I ran less in my post test compared to my
pre–test by almost a full track lap. While the push–ups and the sit ups I did better in my post test. I did not do anything very different with my
movement or exercise routine to do better with my strength. I was trying to focus on my endurance since it shows that I am out of shape. Second thing
I wanted to bring up was that I may not have ran further in my post–test I did native I was able to run a little bit longer, and I was more able to push
myself...show more content...
I will always try to keep mindful when it concerns my overall wellness because as you age your health and wellness declines, but if you are aware of
your wellness and you take care of yourself is one of the few ways to prevent the delicate of wellness. I am going to keep doing the three daily goals I
set for myself . I think I want to add eating a vegetable everyday. I do not like vegetables so I want to add that to my daily goal. Also add maybe
counting my steps. Since I limited the number of time I can ride the bus, I am walking more, I am starting to be curious on how much am I walking
and see if I am able to walk a little but further than the day before. Some people's way of motivation is through being challenged. What better
challenge can be made but adding at least 2,000 more steps than before. Counting my steps will not be hard I just need to get a step counter to put on
my jeans, or download a step counter app. Some challenges I will be facing are one, when I go home I work 40 plus hours, I tend to move a lot at
work, running from the front end to the back of the store, to lifting heavy items for customers, to running errands for managers. So I automatically
think I don;t need to go to the gym or eat healthy because in my head I think I am working off more calories than what I am consuming. Which is
definitely false, it was me making up reasons as to why I deserve to eat the

Standardized Test Scores
Standardized test scores have been such a huge stressor for me, especially in my college application essay process. I understand that colleges need
some kind of general test to gage and compare students with, however, if a college looks at only my scores on those tests, they won't see all of me or
my academic success potential. I prioritize studying because I wasn't, and still am not one of those "lucky guessers". I have worked effortlessly and
endlessly in every course to show all that I know and have learned throughout the years. Standardized tests show a person in moment, not their academic
momentum or potential. I have always given every assignment and test my very best because I want to be successful, as well as to be proud of my
efforts.

My Working Style Score
During my reflections of my working style score I have learned so much. Somethings I knew I was capable of but others were new to me. I have
learned that I'm an extreme examine person. I'm a "why" person. I need to know the reason I'm creating or doing a task. I need clear and precise data
to complete task. I'm a skeptic at heart, I tend not to believe people until I have a full–face value. I learned that some of my strengths finding errors,
looking at data for errors. Finding a plan, a is major strength of mines, and being cautious. This provides a security blanket just in–case myself or other
teammates are not looking at a situation without clearly looking at the consequences. With strengths come challenges. No one is perfect and we...show
more content...
Getting help when needed from teacher or tutor. Western Governors University offers getting tutoring program. Thelearning habits and skills I already
have are: note taking, excellent listener, highlighting details. The learning habits and skills I need to develop are: separating different subjects,
creating realistic goals, learning to take time from the day to set aside for learning. Avoid distractions like cellphones, TV, or friends. The plan I have
for developing and sustaining the learning habits I need to develop is to give hundred percent effort in setting time aside for studying, letting friends,
family members that school is important to me and setting time aside is important to me. Creating goal deadlines that I can meet, thus having a

Reflection On My Post Test Score
Looking at my post test scores from the past two years, my results have fluctuated. In 9th grade, my push–up baseline score was 30 and my post test
score was 40. This year, I started out with only 20 push–ups for my baseline score, but I ended with 40. In both my 9th grade and 10th grade baseline
tests for the 12–minute run, I ran 2200 meters, and improved to 2500 meters at the end. My baseline score in 9th grade for the 12–minute swim was
38 lengths and I achieved 41 lengths for my post test. This year, I started out by swimming 40 lengths and eventually completed 41 lengths for my
post test score. My front plank was only 2:00 for my 9th grade baseline test, but I was able to get 5:00 at the end of the quarter. This year, I started with
2:15...show more content...
In school, I have participated in both the 9th and 10th grade physical education classes. In the fall, I am a member of the swim team at Sartell High
School. When not participating in the high school swimming season, I swim for Edina Swim Club based out of Edina, MN. Swimming keeps me in
adequate cardiovascular condition. My post test scores in swimming are high because it is around the time that my practices get more challenging,
and I get into better shape. I also am in a weightlifting/strength and conditioning program at Trois Rivieres. The end of my 9th grade year is when I
really started to notice my body becoming stronger. I was able to do numerous push–ups and other exercises with ease that were once very difficult. I
recently finished a 4–week recovery program at Trois due to the fact that I had very hard training leading up to Junior Nationals in March. My body
needed a little break without becoming completely out of shape. I think this is why some of my post test scores were not as high as my 9th grade
ones. Summer training is about to pick up the intensity, so I would be curious to see how my scores would be affected at the end of the summer
when I am more in shape. As for nutrition, I watch what I put in to my body very closely. I want to achieve excellent results in swimming. I know
that this will not happen unless I fuel my body appropriately; however, there is room for improvement. I am going to do a much better job at
monitoring my daily intake during the summer, as I will have more time to prepare my meals. Exercise, nutrition, and a healthy body are very
important to me, so I have a great attitude towards the subjects as

Essay about My Core Values
Tamneicha Mcdavid
Prof.Beck
ENC 1101
July 30, 2009
Example Essay
My Core Values
As I have grown as an adult and moved further towards success in my life, I have always maintained a guided structure to achieve goals and tasks
that challenge me. I call these my "Core Values". This is a strict regimen or a belief system that I have instilled into my everyday practice to complete
any task that presents itself. Although not perfected, I have found this method to be quite successful. My work ethic, responsibility, and my drive to
further my education and knowledge have never failed me. Life can seem tough and demanding on a very consistent basis, but I believe that I have
cultivated a plan to accommodate and withstand any trial
The first...show more content...
To build responsibility as a child I volunteered to take care of my family dog. Even though she was the family's pet I took it upon myself to make sure
she was properly fed, watered, and walked. My mother was very proud of my new development as an adolescent. She became very encouraging and
would come up with other special chores around the house that I could be relied upon to handle. To some children this would seem like a
punishment, but both of my parents were so supportive and persuasive that I looked forward to having the gained accountability. My father
instituted honesty and respect as monuments for responsibility. I of course struggled at times with taking care of my dog, and handling some of
my other chores. But my father always wanted me to not only be honest with my parents, but also with myself. He stated that a lie would not
benefit anybody and it was disrespectful to tell a lie. He would tell me that a liar was the same as a cheater, and nobody liked either. If I knew how
to respect others and be honest, than my responsibility would only increase. I asked why I would want added responsibility and my father told me
two things that changed my perspective completely. First, it was that responsible people always tended to be more successful. Since I had always
dreamed of growing up to be rich and famous, I guess I could accept the added responsibility. The second thing he told me was that one day I could
possibly

Negative Affectivity Scores
When juxtaposing my current scores or feedback from the Postive Affectivity and Negative Affectivity Scale– Momentary (PANAS) questionnaire to
my prior score there is a very slight difference in regards to my positive affectivity score as opposed to my negative affectivity score. Last time I scored
a 32 out of a range of 10 to 50, and now I scored a 30. Not much of a difference between then and now. However, the same cannot be said for my
negative affectivity score. If you juxtapose my prior score to my current one, you can clearly perceive the difference between then and now. I scored
last time a 12 out of a range of 10 to 50; currently I scored a 20 out of the same range. The reason for this I believe is because since finals are coming

Bad Test Scores
In my opinion test scores and quiz results are all feedback on how much information I`m getting from my course. When I get a bad test score I
realize I need to review the contents and understand the test better so when I get another one ill be able to do better next time. Like when I failed
my math course I had to decide if I wanted to take 5 classes or exchange physics for applied grade 11 math so I didn't have to stay an extra year. So
when I got a bad grade it made me have more motivation to complete grade 11 math so I can graduate with my friends. I have 5 classes this
semester, which means I have to try even harder. Even though I failed, I realized I wanted to retake it because I didn't learn enough from it and this
time I plan to learn

Explain Why I Feel Like My Score
I feel like my score is very accurate according to the Type A inventory scale assignment. The reason I believe my score are accurate is because they
seem to stay same in the way of behaving and feeling in general in daily routine as we can see this in the statements scale, in my opinion, most of
the statements seem not at all typical for me in everyday routine as the way I behave and feel every day. However, there are a few statements in
the scale that seems very typical to me. For example, I feel guilty when I relax or do nothing for several hours or days. This is the example, that I
feel like is very typical for most of us because I feel like whenever I am free or have nothing to do, it makes me think about worthless things which
makes me...show more content...
A main reason my score 13 is moderately competitive because this example deals with people who learns from looking and comparing themselves
to others as I'm one of those people too, as I try to benefit myself by comparing myself with cousin which also helped me to aim my goal. Another
main dimension that I would focus on is work involvement, it is significant life imbalance. Here is an example of work involvement that shows
why my score are higher, I started working at the library this summer, where I shelf books every day, at work I always try to do extra work because
I always agree with this statement that I work to live, with the paycheck I get, I always try to help my mother a lot as it gets hard for her to do
everything alone and give us everything that we need. At work, I always try to shelf, four or more rows everyday as it almost takes three to four
hours easily to shelves books in the right place and then after I'm done with the shelving I always build the mail tub to send over to the science
library which also take another hour to finish everything, therefore, I try to stay at work as long as I can. I always try to stay more focused on my
work than other

Loyalty Scores
I feel my scores are accurate as it should be in some situations. The reason I feel like my scores are accurate is because my scores depend on my
behavior and the attitude on the basis on my day–to–day activities which mostly time I feel the same everyday about these kind of activities. Therefore,
I would give them the same score on my scale even after a week because there are not much I would change in my opinion about them. My scores
depend on who I'm today. The reason I feel like my novelty score is high because I like to be open minded about new things and unfamiliar
situations. Here is an example of a high novelty score, in India, when I was in 3rd grade, one day at school my teacher gave us a project for science
where the instructions were very unclear, she did not give us any steps how to do...show more content...
This is something very unfamiliar situation that happens in classroom that any teacher would give this to a 3rd grade students, an assignment
without giving them the complete instructions. Therefore, I would rate this example, as five somewhat agree because it helps us see new things and
unfamiliar situation from a different perspective. Another example of novelty can be from my past experience is when I took a tour to Agra where
they have the prettiest places such as Taj Mahal, which was created for a queen, Mumtaz Mahal by her husband. This situation deals with novelty
because this is something that many people will be unfamiliar with or will be a new information for them which they will view this at something else
at first when they will hear at very first time. As most people will be shocked and surprised from hearing this story since it will be new and something
that they never thought of before that somebody can do this for someone

Assignment 3 Scores: Questions And Answers
1)Please share your 3 scores (Life Satisfaction, Positive Affect and Negative Affect). Life satisfaction: 16 positive Affect: 22 Negative Affect: 26 2)Do
you believe that these scores are accurate in assessing your current state of well–being? Why or why not? I believe these scores are very accurate, when
it comes to how my life is going and my state of wellbeing so far largely. The reason my negative affect is so high is that my job I'm currently at has
not worked out the way I thought it was and I'm now looking for another job to work in a better environment. The reason my life satisfaction is low is
because I just haven't found the job I truly wont and it's just been kind if stressful lately with a lot of things. Overall I think the

My Reflection On The Writing Score
The writing score I received on my ACT score doesn't properly reflect my abilities as a writer. On past ACT exams I have scored higher, so I know I
am capable of doing better. I was trying to add a lot of information to my essay, but ran out of time to write a conclusion. That is most likely why I
didn't score as well on the writing section of this test as the first one I took.
I really enjoy taking AP classes because I feel challenged and feel like I'm using my time wisely; however, my hard work and dedication in my
classes aren't shown in my test scores. I don't think it represents my abilities in the subjects very well. I usually don't get lower than a B on tests in
class. I always turn my homework in on time and make sure to come prepared

My Anxiety Score
My anxiety score is 134 and the rating is very high. As the questions in the test were very relatable to my own past public speaking experiences, I
believe that the number is correct. For me, public speaking anxiety is a behavior and feelings formed from lacking confidence and fear of failure.
Everyone can suffer from this anxiety. As being fluent in a public presentation is one of the successful keys in life, this anxiety has involved with
discomfort and vexation in one's life. Fortunately, like many other mental behaviors, this anxiety can be fixed. I both experience two types of
performance anxiety, physiological and psychological. For instances, whenever I perform in public, my hand and my leg would tremble and my mind
would be filled with

My Star Reading Score Analysis
My Star reading score was 1342, which is approximately 12.9, grade level–wise. I worked hard for this score, so I do believe that I read at a good
level, because I have a passion for writing, literary style, vocab, and grammar, but I haven't read a full–length published novel in a long period of time.
Seeing my score makes me want to utilize my assets and start to read again! Actually, having this score makes me really glad, because it helps me to
ensure that my optimum reading skill is above my age group and that I'm ready to pursue creative writing in college.
I do, however, want to improve my reading abilities. The main reason I have difficulty finishing books–there have been plenty of novels buried in the
"unfinished books graveyard" of

How To Improve A Credit Score Essay
If I have a credit score of 350, how will you improve it to 800?
Well, no one is perfect. We've all made mistakes. Unfortunately, some mistakes can result in low credit scores. I'm sharing my step by step plan to
improve your credit score to 800:
First of all I'd collect your Credit Report. Then I'd check if there's any error. If I find any, I'd for sure talk to the card authority to take care of it. I'd
also look for the pinpoints what you need to improve. I'd set up payment reminders for you so that no mandatory payment is getting missed.
Even if mistakenly any payment deadline is missed, I'd again talk to them. Believe me, particularly in this case, talking helps. Most likely, I'd set up
auto payment for at least minimum payments and depending on your financial strength, I'd pay as much debt to keep the balance as...show more
content...
As the next step, I'd try to maintain an excellent mix of debt. If all debt is unsecured, a creditor may be suspicious of a borrower's ability to get an
installment or secured loan, like a mortgage, auto– or student loan. Mixing loan types (secured and unsecured) may result in a more favorable score and
a more reliable borrower. My next focus would be to build a strong credit age. If you have a short credit history, it's not that easy to quickly improve
your credit. In that case, I'd try you to piggyback on some of your friends' or family member's credit card if they have a long history of on–time
payments. At some certain point, as credit score improves, I'd request a higher credit limit from an already–established creditor which helps boost the
available credit line. This in turn could help elevate a credit score. If necessary I'd ask for new secure credit cards, but remember, I'd neither open a lot
of new accounts too rapidly

My Fall Score Analysis
For me personally, I have never reflected on my STAR Reader results as I have this year. I seemed to be more consistent than in the past and
because of this I can give an accurate explanation for my scores. My fall score was an 11.4 which I was happy with, but I was not necessarily too
surprised. I really wanted to see if I could show some improvement next time I took it or at least not show a loss in comprehension like in previous
years. My winter score was an 11.8 which, to my satisfaction, was higher than my previous score. My spring score was where I really made some
reflection. Upon getting the same exact score as in the winter (an 11.8), I thought about why I may not have improved but earlier I had. At first is was
difficult to see a...show more content...
As someone who wants to become a doctor, reading comprehension, writing, and grammar are extremely crucial. Every year I want to increase my
vocabulary (especially in the scientific field), improve my grammar, and be able to apply themes in books to real life situations easily. Improvement of
my skills will increase with the continuation of being an avid learner, but focus on improvement during my own time is a must for noticeable short
term improvement. I think that "Duolingo" will help with my improvement in grammar. This is because I noticed rapid improvement in grammar upon
greater comprehension of latin–based languages. Duolingo will be a great way to improve my French, while also improving my english grammar. I
think "Free Rice" is a good website for improving my vocabulary because not only does it have levels allowing for a wide range of comprehension and
availability for improvement, but it gives a motivation to continue learning in that they donate rice for each question you get right. I think that
"Upworthy" is a good tool for increasing my real world application. Using this site, I can learn about important matters and as I improve my reading
comprehension, I hopefully will be able to apply themes to these matters and gain a new point of view. Using these resources is important not only
because many students lose much of

My Intellectual Score Analysis
The score I applied for my Intellectual score/evaluation was a 6. The ultimate goal is to complete my bachelor's degree in the next year and a half.
My concisions in accomplishing this goal was balancing the time for work and school to maintain my very best in both areas of my life. I've been
successful to this point managing my time with the unit III weekly timetable to dedicate time for my success in school. The one item needing
improvement is spending more time with the

My LSAT Score
I never could learn tips, tricks, and the skills needed to pass what some call a skills test. I am not a good standardized test taker. I just am not.
Though, I do not know what my most current LSAT score will be, I feel that I must explain the discrepancy. I understand how important the LSAT is
within the selection process, however I ask you to overlook such scores and see that I can excel in regular academics. I can do well in academics and
am a good test taker otherwise, if I was not I would not have the grades I do. My LSAT score does not show a true reflection of what I can accomplish
when it comes to academics and my studies. I never give up when it comes to my studies. I am very proud of all my academic accomplishments
because I know

Essay On Credit Score

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Essay On Credit Score