It happens to many people sooner or later: a financial challenge knocks you down and your credit goes down with you. How can you stop the descending spiral of financial collapse?
The good news is: while it does take some time and effort, even the worst credit can be salvaged and be well above average again within 12 months!
This special report details strategies that will get you back on a positive financial track and help you rebuild your credit quickly.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
A guide to helping you understand your credit score.
Table of Contents:
Understanding your credit score 1
How much does a low score cost you 2
How are credit scores calculated 3
Cracking the code 7
Improving your credit score 9
William E. Lewis Jr has given these tips for individuals to improve their credit score. The credit score changes continuously as new information is added to the credit report or while you handle credit in a more and less responsive manner.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
A guide to helping you understand your credit score.
Table of Contents:
Understanding your credit score 1
How much does a low score cost you 2
How are credit scores calculated 3
Cracking the code 7
Improving your credit score 9
William E. Lewis Jr has given these tips for individuals to improve their credit score. The credit score changes continuously as new information is added to the credit report or while you handle credit in a more and less responsive manner.
Tips On How You Can Go From A Negative Credit Rating To A Positive Credit Rat...The Credit Redeemer
If you’ve ever wondered how credit repair companies can be so effective at improving your credit rating, you’re probably asking yourself what exactly the top credit repair companies are doing behind the scenes that you aren’t. Fortunately, there are plenty of helpful tips on how to improve your credit score available on the Internet that will tell you exactly what these companies do. You just have to find them!
Website - https://thecreditredeemer.com/
Understanding Your Credit with SpringCoinCarrie Smith
A complete presentation from SpringCoin on Understanding and Improving Your Credit Score. How to establish or re-establish credit properly to save money and pay down debt.
Mark Lesinski Hamburg NY - A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Today, because of the credit crisis having a high credit score is more crucial than it has ever been.
You can liberate your credit score by following some well-established guidelines. Use this quick-start guide as a primer to the world of DIY credit repair.
If you have not already, it likely won't be long until you run into life circumstances where somebody requests to see your credit. From buying a cellular phone to obtaining a home mortgage, credit report reports and ratings are utilized by services to calculate your credit reliability and establish your loaning terms.
Website - https://whatcomcreditrestoration.com
Understanding your credit.Why is important to understand your credit, how to create a behavior to maintain control over your score.Good Credit is less debts
Investment Strategies To Grow Your IncomeCurtis Rose
While it’s wise to have a concern for increasing your assets, you may also wish to focus on using your investments to augment your income.
For example, if you inherited a valuable piece of artwork worth $1 million, you could hang it on your wall and increase your assets by $1 million. However, that picture on your wall does little to help you pay your expenses.
Investment strategies that focus on growing assets will generally result in greater wealth over the long-term, but it’s also possible to generate a significant income via the proper investment channels.
Investment strategies that focus on income make more sense as you near retirement age. With income-producing investments, you can lower your risk. This might be especially important to you if you’re too close to retirement to have the time to recover from significant asset loss.
Also, once you’re retired, you’ll want a reliable and consistent source of income.
We've all heard about how it’s possible to make some great money with multi-level marketing. It's inexpensive and easy to get started; the money is incredible; plus, you can work from your living room couch while eating a bowl of ice cream.
That all sounds great, but how much truth is there to that general perception? You’ll find the answer to that question and more as we delve into the mysteries of MLM.
Personal Finance Strategies For College StudentsCurtis Rose
Whether you're a recent high school graduate or haven't seen the inside of a high school in a great while, attending college is an exciting time. But college is also a potentially expensive time.
There are many things to consider. What should your major be? How are you going to pay for it? Are you going to live on campus, off-campus, or at home? Should you have a job while attending college? What about student loans?
We're going to examine all of these questions and more. A little planning can go a long way. There are many decisions that have to be made. The key is to consider the financial implications of every decision.
Higher education is expensive, but there are many things you can do to control the expense.
Common Investment Terms Retirement and EducationCurtis Rose
Financial terms can be intimidating. The financial industry can even seem to have its own language designed to keep the average person confused. But if you understand the terminology, you'll gain the confidence you need to make good, informed decisions. In this small report, you’ll find some of the most common financial terms and acronyms used in the world of banking, mutual funds, stocks, and real estate transactions.
Although you may need to allow a little time to make sense of all the new terms, they're really not difficult if you dive right in.
Keep this guide handy as you explore the world of investing!
Financial terms can be intimidating. The financial industry can even seem to have its own language designed to keep the average person confused. But if you understand the terminology, you'll gain the confidence you need to make good, informed decisions. In this small report, you’ll find some of the most common financial terms and acronyms used in the world of banking, mutual funds, stocks, and real estate transactions.
Although you may need to allow a little time to make sense of all the new terms, they're really not difficult if you dive right in.
Keep this guide handy as you explore the world of investing!
Have you ever wondered what it would be like if you could earn money from doing your hobby? If you really think about it from a financial aspect, it makes good sense.
You likely already have all the tools it takes to enjoy your hobby and you probably want to sharpen your skills and get better and better at your hobby. And more likely than not, you’re willing to invest additional money into whatever tools are necessary and the time it takes to practice your cherished activity. Right?
Getting paid is just the icing on the cake. Not to mention anything you spend on tools will be tax deductible. Making money from your hobby is a pretty smart thing to do. After all, when you love to do something, you’ll want to do it all the time.
If you want to earn money from your hobby, there are some strategies to use to achieve this goal. Selecting the hobby that provides the best chance to earn money, starting small, saving receipts for tax purposes, and developing your skills to perform the hobby are integral strategies to take to make money from your hobby.
Let your creativity run wild and consider the following strategies to make money from your hobby...
Life insurance is a necessity for your family’s security. Having a good life insurance policy in force is the best way to ensure your family will be provided for.
It’s important for you to be prepared for your family’s sake in the event of your untimely death.
This report will cover the following facts regarding life insurance:
* There are important reasons why you may need life insurance.
* You can shop around for the best life insurance companies.
* To calculate how much life insurance you think you’ll need, see the section titled: “How Much Life Insurance You Should Obtain” for specifics on how to do it.
* Learn about the various types of insurance and when a particular type might best fit your needs.
* Your life insurance can be used to help you financially in the long run.
* In the event you’re listed as a beneficiary and the person on the policy dies, you have a choice about how you receive your life insurance payouts.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Picking Up The Pieces: Rebuilding Your Credit After Financial Disaster
1.
2. Many people experience a financial challenge that
destroys their credit.
The good news is that even the worst credit can be
salvaged and put your credit score well above average
within 12 months.
Here is a plan that will get you back on track.
Introduction
3. Credit scores range from 300 to 850.
A good credit score: around 680.
There are five (5) components to your credit score:
How Your Credit Score is Calculated
• 35% of credit score
• Based on timely
payments
Payment
History
• 30% of credit score
• Based on credit
utilization
Amounts
Owed
4. How Your Credit Score is Calculated Cont’d.
• 15% of credit score
• Based on how long
accounts are open
Length of
Credit History
• 10% of credit score
• New accounts lower
your credit score
New Credit
• 10% of credit score
• Establish varied types
of credit
Types of
Credit
5. People end up with credit woes for one of two reasons:
Aim to have at least $500 in your emergency fund.
Start Your Emergency Fund
Not enough
savings to
weather
financial issue
More debt than
income could
support
6. Consider whether the following things are really
necessary:
Limit Your Spending and Create a Budget
Multiple Cars
• Consider car
pooling
• Realize savings
in gas,
maintenance &
loans if you have
one car
Cell Phone
• Not as utilized in
emergencies as
most people
think
• Eliminate land
line and keep
pre-paid cell
phone
7. Consider whether the following things are really
necessary:
Limit Your Spending and Create a Budget
Cont’d.
Internet
• Can be a
distraction
• Utilize free
Wi-Fi in public
places if you
need to use the
internet
Eating Out
• Average family
spends 40% of
income on
eating out
• Visit grocery
store more
8. Start thinking about other things you could potentially
minimize or remove from your expenses.
Use easily accessible and free resources available to
help you develop a realistic budget.
Review your budget weekly and you'll be well on your
way to fixing many troublesome money habits.
Limit Your Spending and Create a Budget
Cont’d.
9. Consider your free time now that you have eliminated
things like cable TV or internet access.
Spend free time generating additional income by getting
paid for doing something you enjoy.
It doesn't need to pay a lot to make a significant
difference. This is especially true if you've given up an
activity that costs money for a new activity that earns
you money!
Increase Your Income
10. There are 2 basic strategies to eliminate debt:
Eliminate Your Debt
“Some debts are fun when you are acquiring them, but
none are fun when you set about retiring them.”
Ogden Nash
Eliminate
Debt
Pay debt
with highest
interest rate
Pay debt
with
smallest
balance
11. The only debt you should have is debt to generate
income, like a mortgage on a rental property that
provides a positive cash flow.
Avoid creating new debt while you’re busy eliminating
existing debt!
“It is the debtor that is ruined by hard times.”
Rutherford B. Hayes
Tips for Eliminating Debt
12. There are three components to rebuilding credit:
Rebuild Your Credit
Minimize negative info
Have negative data
removed
Create new credit
13. Two main factors help to minimize negatives:
Rebuild Your Credit – Minimize Negatives
Pay on
Time
Pay
Down
Balances
14. Rebuilding will take some time, but if you're aggressive,
you can eliminate any negative information on your
credit report, even a bankruptcy.
Rebuild Your Credit:
Have the Negatives Removed
15. 1. Get a current copy of your credit report.
2. Analyze your credit reports.
3. Write letters to the credit bureaus disputing the
information.
4. Send the letters by registered or certified mail.
5. Keep excellent records.
6. Wait.
7. Review your results.
8. Take the next step.
9. Repeat.
Rebuild Your Credit – Steps for Having
Negative Information Removed
16. The Fair Credit Reporting Act stipulates that you can
receive a free copy of your credit report from Equifax,
TransUnion, and Experian every year.
https://www.annualcreditreport.com is the official place to
get your free copies.
Step 1. Get a Copy of Your Credit Report
17. Step 2. Analyze Your Credit Reports
Negative information in order of seriousness:
• Bankruptcy
• Foreclosures
• Repossessions
• Loan Defaults
• Court Judgments
• Collections
• Past Due Payments
• Late Payments
• Credit Rejections
• Credit Inquiries
18. Step 3. Write Letters to the Credit Bureaus
Disputing the Information
Do not send letter electronically. Mail a physical letter.
Include name on account & amount owed.
State that you are disputing the accuracy of the
report.
Include name, date of birth, address, social security
number, and a copy of your driver's license
19. Step 4. Send the Letters by Registered or
Certified Mail
This is important as you will need proof of when the
letters were received by the credit bureaus.
20. Step 5. Keep Excellent Records
Keep copies of all your letters, the responses you
receive, and the receipts from your mailings.
Also keep detailed records of any phone conversations.
At a minimum, you should record the time, date, to
whom you spoke, and what was discussed.
21. Step 6. Wait
After the credit bureaus receive your dispute, they are
required to do the following:
Respond to all
disputes within
30 days.
Transmit to the creditor
all relevant evidence
submitted by the
consumer
Send written notice of the
results within five days of its
completion; include a copy of
the amended credit file
22. Step 7. Review Your Results
There are only three possibilities:
The item has
been removed
You don't get a
timely response
The item comes
back 'verified'
23. Step 8. Take the Next Step
If no response
after 35 days:
Send letter
that they did
not comply
with the law
Request that
disputed
accounts be
removed
If returned
‘verified’:
Ask for info
about method
of verification
Make request
via phone
24. Step 8. Requesting Method of Verification
Call reporting
agency
Get number from
report
Give them reference
number
Ask for method
of verification per
FCRA Section
611(a)(7)
25. Step 8. Requesting Method of Verification
Cont’d.
If agency cannot
confirm they verified
with original creditor:
Ask for phone
number for
original creditor
Call original creditor Ask for records
26. Step 8. Requesting Method of Verification
Cont’d.
If original creditor
cannot provide
records:
Ask for a mail
copy under new
FACTA Act
If you are sent
records, review them
If original creditor
has no records,
take next step
27. Step 8. Requesting Method of Verification –
Next Step
Inform the credit bureau that they must open another
dispute.
Give the name and number of the person who you spoke
to at the original creditor.
Call the credit bureau back.
Tell them the original creditor has no records.
28. Step 8. Requesting Method of Verification –
Next Step
If they still refuse:
Send the information via certified letter along with an
intent to sue letter.
If credit bureau refuses:
Inform them you will sue for willful non-compliance under
section FCRA 616.
29. Step 9. Repeat
If you are unable to remove items from report, re-submit
dispute with any of the following reasons:
30. Step 9. Repeat, cont’d.
• I didn't pay late that month.
• Incorrect amount
• Incorrect account number
• Incorrect original creditor
• Incorrect charge-off date
• Incorrect date of last activity
• Incorrect balance
• Incorrect credit limit
• Incorrect status - there are about 20 of these.
• Incorrect highest credit usage
31. Credit Repair Companies
Research to find a
reputable
company.
The process
takes them
longer than it
takes you.
Fees are
usually set per
a certain
amount of work
each month.
32. Debt Settlement
If you're way behind on your unsecured debt (credit
cards) payments, it is possible to have it reduced
dramatically by debt collectors.
Did you know that debt collectors are authorized to
accept less than the full amount as payment in-full?
This amount can be as low as 25%.
“Ten million dollars after I’d become a star
I was deeply in debt.”
Sammy Davis, Jr.
33. Suing Credit Bureaus
If credit bureaus are in violation of the law, they can be
fined up to $1,000 per violation. They are rarely willing to
go to court; they will almost always settle just before
going to the judge.
The trick is, you have to show up to court. The credit
bureaus will always show up, just to see if you show up.
Rest assured, they will settle 99% of the time and agree
to remove all the negative information.
34. Create New Credit
Secured credit cards
Secured loan
Variety of credit
• Credit limit =
Amount of Deposit
• Get a secured loan
with your collateral
• Get a secured loan,
secured credit card
and store card
35. Having bad credit is usually either the result of bad
decisions or not having an emergency fund to take care
of a financial challenge.
It is important to remove the cause(s) of your credit
woes. This likely means you need to increase your
income and decrease your debts and your spending.
Establish your emergency fund, even if it's just $500 to
start!
Conclusion
36. Focus on removing the negative items from your credit
report.
Get new credit, no matter what it takes, and guard that
credit with your life.
Get started now! The sooner you start the sooner you
reap the benefits.
“Who goeth a borrowing. Goeth a sorrowing.”
Thomas Tusser
Conclusion
37. We hope you enjoyed your Special Report!
Curtis Roese is an experienced professional with extensive experience in
personal finance and small business matters. Curtis writes and
publishes articles, courses, guides and special reports on his personal
finance blog.
Common Cents Wisdom is a website with hundreds of informative
articles, special reports, resources to assist you with all of your financial
concerns and a free monthly newsletter.
Sign up to receive your free eBook "Common Cents" and get started
today on the road to financial freedom!
38. This Free Course Includes:
A Complete 80+ Page, 16-Module Home Study Course in PDF format
Companion Worksheets and Cheat Sheets
Budget Helpers, Worksheets, and Trackers
Bonus Audio Interviews with Financial Experts
My Secret Resource List of Helpful Money Sites, Tools, and Calculators
Bonus #1: Boosting Your Value Without a Formal Education
Bonus #2: Building a Wealth and Prosperity Mindset
Bonus #3: 25 Ways To Protect Your Identity
Don’t Delay! Get Your Free Course Now!
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