After being healthy all my life, it was a shock to learn that I had cancer. Yes, absolutely, almost everyone knows how prevalent this disease is, and most people will get it. But I was only 30 years old, and I not prepared to have it so young at all. When I lost my hair, I wanted to hide. Mom told me that she would look into Brazilian hair bundles for me to help make it less noticeable to me.
What ended up happening is that I lost all of my hair, outside of some soft fuzz. Even my eyelashes fell out. I tried wearing a scarf, a baseball hat and so many other ways to disguise the issue, but it was still very noticeable. People gave me odd looks all day, which was frustrating. (more…)
Are you planning to apply for a home loan in the near future? Before you go ahead and do so, it is imperative that you check your credit score. It is more difficult than ever to get approved for a home loan and having a low credit score will only reduce your chances. So, what can you do in such a situation? The only way you can overcome bad credit and get approved for a home loan is through credit repair. This is where you need the help of professionals to get the job done. The good news for you is that there are several credit repair companies that can boost credit score.
The best thing about getting professional help for credit repair is that you don’t need to do anything. You need only pay their fee once your credit score improves and your loan is approved. For the average Joe, it can be difficult to work out the intricacies of the FICO credit score and the factors that affect it. Therefore, it is best that you let the experts take care of the job. However, since you are paying for their services, it is important that you understand what it is exactly they will do to repair your credit. Here is an overview:
· If you have had any credit inquiries in the past, it would have a negative impact on your credit score. You can get inquiries conducted by Equifax, Experian and Transunion removed from your credit report. The fewer inquiries there are, the higher your credit score will be. An inquiry is performed each time you apply for a new credit line.
· The company will ensure the outstanding credit on the trade lines you are using is way below the prescribed limit. For instance, if you have a credit limit of 50%, the company will make sure the outstanding balance is below 10%. Moreover, they will help you find the credit lines that you need.
· They will also remove any relevant items that can hurt your credit score. This includes liens, foreclosures, repossession and even bankruptcies. In other words, all the negative items on your credit report can be removed for good.
The best credit repair companies in the market offer a warranty on their services, ensuring that your credit score remains high for a number of years to come. This way, you can rest assured the money you are spending on hiring credit repair help is worth every dime. Not to forget, they can repair your credit fast so that you can get approved for a home loan in no time.
From a business perspective, it can definitely be said that the US economy is finally moving towards better times. Employment is rising, opportunities are finally starting to surface and the overall sentiment of the market is positive – something that was definitely lacking in the last few years. Entrepreneurs are finally starting to take risks and investors are thankfully beginning to back up their bold endeavors with much needed capital.
But all is not as rosy at it seems. Although lending capital, particularly to small business houses has now reached the highest point in the curve over the last few years, there are still many challenges left for these borrowers to face, especially those with bad credit. The recent economic depression has been a major cause behind bad credit ratings of borrowers, many of which had declared bankruptcy in the troubled times. And now the decisions of the past are coming back to haunt them.
Most banks are still not up for lending capital to businesses with bad credit. These enterprises have very valid reasons for their credit troubles. Bad remarks about a company take years of efforts to get corrected and recession didn’t exactly make things easy for small businesses. Still, the need of funds is ever present which cannot be fulfilled through the traditional sources. So what options are available for business loans for bad credit? Let’s examine..
· Home can be good collateral to present for securing a loan. Home equity loans are a great way to circumvent the time required to build the credit score of a start-up business or correct an already bad credit history. But remember to factor in the risks involved while making this decision.
· Merchant cash advance can also be a good option for those looking for business loans for bad credit. These are very short term advances that offer the entrepreneur with a lump sum advance against the business’ future credit and debit card sales. The duration of the loan can be expected to be somewhere around 24 months and payments are made at regular shirt intervals.
· There are many private investor companies that are ready to take the risk of investing money in a business with a bad credit history. These companies generally charge a premium for the extra risk they are bearing.
· If your fund requirement is small, you can always go for availing micro loans. The amount of these loans generally ranges $5000 to $50000. These are generally offered by some non-profit organisations and certain bankers and are a great option for those entrepreneurs looking in need of business loans for bad credit.
· And last but not least, you can look into your last resort and seek financial assistance from family and friends. Investment that stems from within your family will tend to be safest from a financial point of view. And as always, your credit score won’t matter to your loved ones.
Merchants and retailers that deal in high-volume sales may find that making arrangements with credit card processing services that provide more competitive pricing can make a real difference. Spending too much on the services needed to upgrade your point of sale process and provide customers with the means to enjoy greater flexibility when making a purchase can quickly eat into profitability. Service providers that offer greater value may provide your businesses with a simple and effective way to reduce overhead and operational expenses.
Cost-Effective Service Options
A cash-only point of sale process is a considerable liability, especially for merchants that rely on high-volume sales in order to turn a profit. High volume Credit card processing services may seem like a relatively minor expense, but dealing with a service provider that is unable to provide the lower prices your businesses needs in order to update or upgrade its point of sale process for less can be a very costly misstep. Spending more than you need to in order to provide customers with access to secure and convenient payment options can become a real problem for merchants that are struggling to achieve a greater degree of profitability.
Processing Services Able to Improve Customer Satisfaction
Customers who are not able to make use of their preferred method of payment when making a purchase can easily become dissatisfied with their experience as a whole. Failing to build and maintain successful customer relationships by limiting payment options can all too easily result in lost opportunities for repeat business. Processing services that will allow businesses to incorporate check, debit and credit cards into their point of sale process can create plenty of new business opportunities, especially for merchants that deal in high-volume sales.
Doing Business With the Right Service Provider
Only the best equipment, services and arrangements may allow businesses to more easily and successfully expand the range of payment options they are able to provide for their customers. Cost-effective solutions and arrangements that can be had for a greater value can be very difficult to find when businesses fail to seek out the best processing services. Ensuring that high-volume sales environments are able to provide customers with the payment options they prefer can be of great importance. Making arrangements with the right service provider will allow businesses to benefit from convenient and cost-effective solutions that may better suit their current and future needs.
If you have debt, it can seem like an unending cycle. The more debt you have racked up, the more monthly payments you will have to make, the higher your interest rates, and the more you’ll have to put your day-to-day living expenses, like rent, on—you guessed it—credit, racking that debt up even higher. Even if you somehow manage to budget, starve yourself, and live in a cardboard box until you pull yourself out of that debt spiral, any bad credit you’ve accumulated stays on your record making it seem impossible to get loans and decent interest rates in the future. Fortunately, credit repair is possible; you just need to know how to go about it.
The problem with bad credit is that there are so many ways to get it—you might have bad credit without even knowing it’s there. It can be anything from a late payment to a mix-up that never got straightened out. Fortunately, there are ways to combat your bad credit with credit repair no matter how you’ve accumulated it.
How to straighten out your credit problems
The first step of solving your credit problem is to find a credit repair agency or company that can help you solve your problem efficiently and properly—the first time around. Your bad credit has already caused you enough problems, so don’t mess around when it comes to getting it fixed. Find a professional service you can trust so you can stop worrying and start enjoying low interest rates again.
Step two involves obtaining your credit report. Most services will be able to help you with this, but there are also a few free online services that can print it off for you. Make sure you use someone credible, though. You don’t want to end up divulging too much personal information to a non-reputable service—identity theft won’t help with credit repair at all.
Step three: the agency you choose will help you review all of your bad credit—and they will help you dispute any contestable reports, too. For credit that needs to be paid off, strategies can be worked out for how to pay your debt in a way that enables you to build and repair your credit. Anything that needs to be disputed can be left to your credit repair agency; they’ll get it sorted out for you.
Step four is easy if you’ve found a reputable credit repair agency to work with. Sit back, relax, and let those positive results come to you.
If you have bad credit, it’s time to stop suffering. Contact a credit repair agency today so you can get on track to getting your life back. Stop worrying about your credit and its limitations, or the unreasonably high interest rates you’ve been settling with; find a credit repair service that can help you sort out your financial credit record so you can stop worrying and start living the way you should be living—free from the hassles of bad credit.
One of the disadvantages of modern times is that people tend to acquire so many things they don’t really need. Numerous gadgets and services occurred targeting a vast market of consumers and this emergence of various inventions somehow blinded people.
Since finances—especially money—is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services there are is the credit card.
Although many people testify for the financial convenience you get when you apply for a credit card, it doesn’t mean that every financing convenience applies for you or for everybody in that matter.
When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. But, no matter what the reason is, people apply for a credit card because of the ultimate convenience it brings. By now, you may have had your share of ‘pre-approved’ credit card offers in your virtual and physical mail. Since people are quite vulnerable when they apply for a credit card, some credit card issuers lure these people by giving low introductory APR, no annual fee offers among numerous perks. The tendency of this so many alternatives and “value” deals is to sway the person who wants to apply for a credit card.
There are undeniably endless lists of pros and cons when you apply for a credit card, but if you really have decided to apply for a credit card, these are some of the helpful tips that can guide you on your credit card shopping journey.
Actually, there are three easy steps you should follow if you have decided to apply for a credit card. First, surf the net and do some research on credit cards. By doing this, you can familiarize yourself with different credit card terms and types. Second, you can compare numerous credit cards that would best serve your needs and lastly, you may now apply for the credit card of your choice by filling out a credit card application by visiting a bank representative or through online.
In order to find the right credit card fast and easy, first, before you apply for a credit card, make sure you mastered the credit card terms. When you apply for a credit card you must know what a “credit card” really is. Being a form of borrowing that involves charges, credit cards usually have underlying credit terms and conditions affect your overall cost. So, it’s best to compare terms and fees before you apply for a credit card and agree to open an account. Some of the important terms to be understood well include the annual percentage rate or the APR.
When you apply for a credit card, you must know how the APR affects your credit account. Being a measure of the cost of credit expressed as a yearly rate, the APR should be disclosed before you apply for a credit card so that you would not be obligated on the account and on your account statements later on. Aside from APR, the periodic rate must be disclosed to the card holder before they completely apply for a credit card so they would have an idea of their outstanding balance and finance charge for each billing period. Other important terms to know before you apply for a credit card are free period or “grace period,” annual fees, transaction fees and other charges, other costs and feature, and balance computation method for the finance charge like average daily balance, adjusted balance, previous balance, and two-cycle balances. If you’re not that type of person who is patient enough to research on all these terms, make sure that before you apply for a credit card, the issuer will give an explanation how the balance is computed and it must appear on your monthly billing statements.