If you are denied credit, do not ignore this fact. Most individuals will move on to next creditor, never questioning why they were denied or asking vital information.

If a creditor denies you credit, be prepared to ask several questions. You may feel uncomfortable or embarrassed at this point; however, this is your life and showing concern is showing responsibility.

* Question 1: Why was I denied credit? This question is most imperative of any question you may ask. In some cases creditor will not know why you were denied. Most frequently a creditor will respond with a quick answer, such as:

1. Not enough credit history; 2. Low credit score; 3. Several delinquent accounts and/or to much debt.

With this information you are able to determine if it is necessary for you to order your credit report. After being denied credit from a creditor, you are able to obtain a free copy of your credit report from credit bureau within 60 days of your denial.

* Question 2: Which credit bureau do you use to supply customers credit reports? You will need to know credit bureau who supplied your credit information to creditor; in order, to request your free credit report.

You are home on a rainy Sunday afternoon, looking at flashy calculator you found on sale last month for $12 at local buy n’ save. It was a good buy.

You find percentage button, and try to decipher how it all works.

Before long you are calculating percentages like a pro.

An hour later, you stumbled across an idea everyone with a calculator on a rainy Sunday afternoon stumble across. That of calculating money you have squirled away at local bank branch in a fixed term savings account. You recall rate was guaranteed 7% and even though you are only locked in for 12 months, you decide this money will become your retirement fund. All $3000 of it.

So you start crunching numbers for ..oh, say 30 years.

In 30 years, you calculate that it will become $22,836.76 Wow! even if you do nothing. Not bad.

A show comes on television that grabs your attention, and your calculator is absently passed onto coffee table as you get comfortable, and get set to watch “The most dangerous animals on earth-a ten point count down”.

You watch, but calculator sits patiently within your line of sight. During one of ad breaks, you get another idea.

What if you could find some other investment vehicle to grow your money? What if you could find somebody that offered more interest?

You don't know where you will find somebody willing to offer you this much interest but you try it anyway....30%

30% at 30 years.