Credit Repair Scam - How To Avoid Being A Statistic?

Written by Bill Smith


Credit repair scam - How to avoid being a statistic? A good credit history is critically important forrepparttar consumer. A bad credit will prevent you from getting a business loan, owning a home, or even a job. Promises to "fix" your credit are always made by credit consolidation companies, but they are seldom true. Here are some ofrepparttar 138215 important tips to avoid scams:

First things first. Negative information cannot be erased ifrepparttar 138216 information is correct. Only inaccurate information can be corrected in your credit file. Credit file information remains on your record for seven good years fromrepparttar 138217 time it is reported torepparttar 138218 bureau. For bankruptcy,repparttar 138219 information remains on your record for ten years. Allrepparttar 138220 consolidated information about your credit bills you fell behind on, but are now paid, will remain on your report forrepparttar 138221 time period mentioned above.

Do not payrepparttar 138222 credit repair company unless their promises are kept. Remember,repparttar 138223 law is on your side. Federal law requires credit repair companies to give you a complete detailed explanation of your legal rights, a completely documented written contract, and above all, 3 days to cancel. This applies to all credit repair services including for-profit services, non-profit services, creditors and credit unions.

Be wary about emails you receive. When you hover your mouse overrepparttar 138224 link inrepparttar 138225 email, you will know for sure if it is a trusted website or a fraudelent one. If fraudelent, report it to your bank promptly.

You don't need a counselor to correct your mistakes inrepparttar 138226 credit report. Take charge of it yourself. If you were recently denied credit, you can request a free credit report. Otherwise there is a small charge for it. Some states will allow you a free copy of your credit report once a year. It doesn't cost you anything to dispute or question items in your credit report. Get online or follow instructions from your credit bureau. The three major credit bureaus are Equifax (800- 685-1111), Experian (800-682-7654) and Transunion (800-916-8800). In most cases you will need to contact allrepparttar 138227 three credit bureaus asrepparttar 138228 information they have about you may vary.

Fundraising Tips 101

Written by Brooklynn Anderson


You know that you would like to have a fundraiser for your organization or school to raise funds, but know what? This fundraising article will help you plan out your fundraiser so that it is easy for you!

Tip One: What are your fundraising needs? This isrepparttar most important question you need to ask yourself so that you will know what your specific fundraising goals are.

Some questions you should consider:

How much money do you hope to raise from your fundraiser?

How many approximate people with be involved inrepparttar 138197 fundraiser?

When will it start?

How long will you have your fundraiser? You will want to make sure you are giving yourself enough time to wrap uprepparttar 138198 fundraiser and haverepparttar 138199 money you need on time.

Do you have enough volunteers to help withrepparttar 138200 fundraiser? If this is your first fundraiser you might want to give yourself some extra time should run into any problems or delays.

Tip Two: Pickingrepparttar 138201 right product for fundraising. While there are so many neat fundraising options make sure to pick a product that you think your target audience will like, something that creates an impulse buy!

Depending on how much money you need to earn, will also be a factor in your deciding.

Candles, Candy, Magazines and coffee are four ofrepparttar 138202 top fundraising products that are commonly chosen. They are reasonably priced, most people will buy more than one and they are products people would normally buy anyway. This will make it easier for you and your organization.

Tip Three: Plan your fundraiser & set your goals. You’re most important goal is how much money you need to raise. If you are raising money for a specific product such as new computers or playground equipment be sure to find out how much money you need to raise. You may not raise all of it but it’s good to know what amount you are aiming for.

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