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Tip of the Day Beware of Scams

Beware of Scams - You should always beware of scams, fraudulent practices, and these days, especially, there are plenty of them out there. Rule of thumb - if it...

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Bad Credit Rating

Having a bad credit rating is becoming more of a problem considering more and more lending options have lowered for consumers with reduced credit. Many online venues can be used to check your credit score. Finding out you have bad credit can take a toll on you and your family. By taking into account the lack of responsibility that had to be done to get the bad credit in the first place, you can see the things that need to be adjusted. Bad credit can lead to a high cost for many things not to mention the debt and the cost to get said debt reduced. When you pay off some debt it will bring your score back in to check. So let's get to work on this.

There are certain steps you can take to get your bad credit rating back into good order. You should order your own credit reports and make sure that you get a copy from all three of them. Legally, you are allowed to check your score for free once per year. Look over your personal information, this information isn't as important to change if you make a minor mistake. Analyze your credit info; make sure you correct anything inaccurate or out of date. Some major concerns would be those which were paid in bankruptcy yet still read unpaid. You should make sure credit limits are reported correctly. Also you should make a list of any items you deem questionable, and dispute each item separately.

The next step is to dispute and remove erroneous information in order to fix your bad credit rating on your credit report. Dispute items and other available things to the credit bureaus and report every item that needs to be disputed one at a time. Lastly, you can write letters to the bureaus requesting the incorrect information to be changed and they will conduct an investigation to remove the false information. The credit bureaus have an obligation to investigate any and all letters of dispute for consumers. This will be done within a time period in which they will advise you to their findings and the situation should be corrected.

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Across The Board - Across the board is a stock market action, or movement, that affects most or all of the stocks on the board in the same way. Therefore, if an ?Across the Board? occurs, the majority, or all, the stocks on the stock market will either go up...

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