The Power In A Gathering Of Women

Written by Eileen McDargh, CSP, CPAE


Continued from page 1

Sadly, today's busy agendas often find women cancelingrepparttar most positive and healthy thing they can do: gather with other women to engage inrepparttar 130599 kind of "rapport" and "report" talk that hallmark feminine conversations. The corporate women's networks that generaterepparttar 130600 most return forrepparttar 130601 time and money investment allow forrepparttar 130602 nuts-and-bolts training needed forrepparttar 130603 business while also creating plenty of opportunity for mentoring, problem-solving andrepparttar 130604 informal sharing of personal issues.

Create a gathering of women and stand back. The energy reborn from conversation, caring, compassion and concern can move a community, a business, and a nation into a higher place.

(c) 2004, McDargh Communications. All rights in all media reserved. Reprints must include byline, contact information and copyright.

Eileen McDargh, CSP, CPAE is head of McDargh Communications, a training and consulting practice founded in 1980. She's also an award-winning author, radio commentator, and on the Board of the National Speakers Association. Eileen can be reached at http://www.EileenMcDargh.com.


Like It Or Not, You Have A Score To Settle!

Written by www.creditandyou.com


Continued from page 1

NOTE: This information is free if you request it within 60 days of being turned down for credit. The credit reporting agency can tell you what’s in your report, but onlyrepparttar creditor can tell you why your application was denied. If you’ve been denied credit, or didn’t getrepparttar 130597 rate or credit terms you want, askrepparttar 130598 creditor if a credit scoring system was used. Be sure to ask what characteristics or factors were used in that system, andrepparttar 130599 best ways to improve you application.

If you get credit, askrepparttar 130600 creditor whether you are gettingrepparttar 130601 best rate and terms available and, if not, why. If you are not offeredrepparttar 130602 best rate available because of inaccuracies in your credit report, be sure to disputerepparttar 130603 inaccurate information in your credit report. Underrepparttar 130604 Equal Credit Opportunity Act, a credit scoring system may not use certain characteristics like: Race, Sex, Marital status, National origin, or Religion. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants. What can I do to improve my score?

Credit scoring models are complex and often vary among creditors, and for different types of credit. If one factor changes, your score may change. But improvement generally depends on how that factor relates to other factors considered byrepparttar 130605 model.

NOTE: Onlyrepparttar 130606 creditor can explain what might improve your score underrepparttar 130607 particular model used to evaluate your credit application. Nevertheless, scoring models generally evaluaterepparttar 130608 following types of information in your credit report: • Have you paid your bills on time? Payment history is a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.

• What is your outstanding debt? Many scoring models evaluaterepparttar 130609 amount of debt you have compared to your credit limits. Ifrepparttar 130610 amount you owe is close to your credit limit, that is likely to have a negative effect on your score.

• How long is your credit history? Generally, models considerrepparttar 130611 length of your credit track record. An insufficient credit history may have an effect on your score, but that can be offset by other factors, such as timely payment and low balances.

• Have you applied for new credit recently? Many scoring models look at inquiries” on your credit report when you apply for credit. If you have applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your account or looking at credit reports to make “prescreened” credit offers are not counted.

• How many and what type of credit accounts do you have? Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models considerrepparttar 130612 type of credit accounts you have. For example, under some scoring models, loans form finance companies may negatively affect your credit score. Scoring models may be based on more than just information in your credit report. For example,repparttar 130613 model may consider information from your credit application as well: your job or occupation, length of employment, or whether you own a home. Bottom Line: To improve you credit score under most models, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debts. It’s likely to take some time to improve your score significantly.

Credit and You are a group of expert on credit andrepparttar 130614 author of “CREDIT AND YOU ... Secrets To Improving Your Credit Rating.” Feel free to pass this article along to family and friends. And be sure to pick up your FREE 7 day course on “Credit Basics” at http://www.creditandyou.com.

Copyright © 2002-2003 Credit and You | All Rights Reserved |



Credit and You are a group of expert on credit and the authors of “CREDIT AND YOU ... Secrets To Improving Your Credit Rating.” Feel free to pass this article along to family and friends. And be sure to pick up your FREE 7 day course on “Credit Basics” at http://www.creditandyou.com

Copyright © 2002-2003 Credit and You | All Rights Reserved |


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