How To Report An Error On Your Credit Report

Written by John Simpson


Have you been turned down for a loan recently? Have you applied for store credit and been refused? Did you really want that car and find out that because of your 'credit score' that they would have to require an unreasonable down payment?

Credit reports are designed to help businesses evaluaterepparttar risk factor in giving you money or valuable products on a line of credit.

The Fair Credit Reporting Act promotesrepparttar 141704 accuracy, fairness and privacy of information inrepparttar 141705 files ofrepparttar 141706 nation's credit reporting agencies. The act is enforced with regard torepparttar 141707 consumer's rights and requiring new responsibilities forrepparttar 141708 credit reporting agencies.

For example, a reporting agency must give you a copy of your report and they must provide a list of every inquiry about your credit report withinrepparttar 141709 last year.

The agencies collect data on personal identification (name, address, social security number, current employer, etc), payment histories with all current and closed lines of credit that details how much you owe, when you've paid on time and what, if any have been reported to a collection agency.

The final two items are all inquiries that have been made on your credit report as well as anything that is considered a matter of public record such as bankruptcies, foreclosures and tax liens.

To repair or report errors on your credit report, you must obtain a copy of your personal report and score. The reports themselves are not uniform from company to company.

Experian may not list allrepparttar 141710 data of Equifax and vice versa. So, be sure to obtain credit history reports fromrepparttar 141711 same company asrepparttar 141712 creditor who turned down your application. In some states, that may require a small fee, but after September 1, 2005 all states will have to be in compliance with providing a free credit report.

Once you haverepparttar 141713 report, verifyrepparttar 141714 information. Every report is also scored. Scoring isrepparttar 141715 system that creditors use to determine your credit experience. These scores are valid for all three companies and are uniform in value.

Credit scores range from 375 to 900 points, but those numbers mean little on their own. A score of 650 or better usually indicates a very good credit history. Scores between 620 and 650 are considered average, while scores below 620 may prevent a person from getting a loan. If they do receive one, it is likely one with prohibitive interest attached.

If you look at allrepparttar 141716 information on your credit report and it's correct, then you are faced with having to improve either your payment history, lowerrepparttar 141717 number of debts.

Ifrepparttar 141718 score is low because you possess very little credit history, investing in a secured credit card can help generate good feedback to your credit report or a co-signer who can providerepparttar 141719 creditor with a good credit history as security for your lack of one.

Inaccurate information, however, such as reported late payments that you disagree with or a listing for a debt that is not yours is repairable. Some companies offer debt consolidation or credit repair. Before getting involved with either type, be sure you thoroughly check outrepparttar 141720 company to avoid scams.

herbal medicine for diabetes

Written by GOLDIE


For Salacia Oblonga herb Capsules and Extract Write to Botanika herbalpowders@operamail.com treeseeds@operamail.com treeseeds@rediffmail.com : : : : WWW.SALACIAOBLONGACAPSULES.COM Traditional Indian medicine, herb Salacia oblonga may help treat diabetes Posted By: News-Medical in Medical Study News Published: Tuesday, 8-Feb-2005 Printer Friendly Email to a Friend : : : : Herbs used in traditional Indian medicine to treat diabetes seems to lower blood sugar and insulin levels in a manner similar to prescription drugs, a new study reports. Researchers gave extracts ofrepparttar herb Salacia oblonga to 39 healthy adults, andrepparttar 141703 results were promising. The largest dose ofrepparttar 141704 herb extract - 1,000 milligrams - decreased insulin and blood glucose levels by 29 and 23 percent, respectively. : : "These kinds of reductions are similar to what we might see with prescription oral medications for people with diabetes," said Steve Hertzler, a study co-author and an assistant professor of nutrition at Ohio State University. : : Salacia oblonga, which is native to regions of India and Sri Lanka, binds to intestinal enzymes that break down carbohydrates inrepparttar 141705 body. These enzymes, called alpha-glucosidases, turn carbohydrates into glucose,repparttar 141706 sugar that circulates throughoutrepparttar 141707 body. Ifrepparttar 141708 enzyme binds torepparttar 141709 herbal extract rather than to a carbohydrate, then less glucose gets intorepparttar 141710 blood stream, resulting in lowered blood glucose and insulin levels. : : "Lowering blood glucose levels lowersrepparttar 141711 risk of disease-related complications in people with diabetes," Hertzler said. "Also, poor compliance with diabetes medications often hindersrepparttar 141712 effectiveness of these drugs. It may be easier to get someone to take an herb with food or in a beverage, as opposed to a pill." : : The study appears in a recent issue ofrepparttar 141713 Journal ofrepparttar 141714 American Dietetic Association. : : Thirty-nine healthy adults participated in four separate meal tolerance tests. These meals, which were given in beverage form, were spaced three to 14 days apart. Each participant fasted for at least 10 hours before consumingrepparttar 141715 test beverage. : : Participants were asked to drink about two cups' worth ofrepparttar 141716 chilled beverage, which contained zero, 500, 700 or 1,000 milligrams of Salacia oblonga extract. Afterward,repparttar 141717 researchers usedrepparttar 141718 finger-prick method to draw blood samples from each person every 15 to 30 minutes for three hours. These blood samples were used to determine insulin and blood glucose concentrations. The biggest changes in blood glucose and insulin levels usually happen withinrepparttar 141719 first

Cont'd on page 2 ==>
 
ImproveHomeLife.com © 2005
Terms of Use