Most of us are putting off things this month that will wind up costing you more in long run, in time, energy, missed opportunities.

Maybe you’re putting off paying anything on your debts because you’re afraid to tell creditors how much you can afford to pay them each month, because you’re afraid they won’t accept your small payment, afraid they will try and garnish your wages, or a hundred other reasons. Your true cost in long run may be that you wind up with a stress-related health condition from dodging creditor phone calls, or you wind up ruining your credit for years.

Maybe you’re putting off telling someone you love how you truly feel about them because you’re afraid they don’t feel same about you, won’t want to take a chance on love again, or a hundred other reasons. The true cost may be that you wind up spending rest of your life without person you truly love, pining away for “what might have been” or “what wasn’t said.” It’s like country song “It’s a Little Too Late.”

Or maybe what you’re putting off doesn’t seem so life-altering. Maybe you’re putting off having your car serviced, fixing a small leak in gutters, ironing clothes you’ll need for work next week, cleaning out fridge, sorting through your tax papers, making a phone call, and so on.

Several of credit bureaus have opened up their fax lines, (namely, Equifax and Transunion) but only to select consumers--only those a recent "confirmation number" or tracking number from a current credit report. In our ebook "Improve Your Credit Score In 24 Hours" we give you fax numbers that credit bureaus keep secret. Since January 2003, we've sold 30,000 copies-this tremendous success has led to a high volume of unsolicited faxes from consumers, enough so that they have tightened their rules.

If you are in possession of a credit bureau fax number, either from us or from communication with a credit bureau, we'll outline proper fax methods for you.