| It's raining...Its thundering. The
| |
| | What I suggest to my clients is a double
|
| lightening is casting your shadow against
| |
| | sided attack. As you try to get negative
|
| the wall as it flashes in the night sky.
| |
| | marks removed from your file, you also
|
| You look under the bed...nothing. You cut
| |
| | should be taking steps to add positive
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| the bathroom light on...nothing. You cut
| |
| | marks to your file. This creates a
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| it back off. Only one other place left to
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| | synergy effect, boosting your score
|
| look, and that's the closet. You begin to
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| | faster than what could be done by each
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| walk slowly to the closet. Oddly, you
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| | tactic separately.
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| hear that eerie horror music in your
| |
| | Start with the easy accounts. Look for
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| mind, not remembering leaving the door
| |
| | entries that are not even yours, these
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| cracked like it is.
| |
| | should be very easy to remove from your
|
| Your heart starts racing. Your brow
| |
| | file. Next, look for items that have been
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| begins to perspire with beads of sweat.
| |
| | paid (or maybe still not paid) and
|
| You reach to grab the door knob, with a
| |
| | they're seven years older or more. The
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| twist and pull it open...nothing! Whew!
| |
| | seven year period begins 180 days after
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| Your pulse slows to its normal pace. You
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| | account goes into default (post 97 law
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| laugh to yourself, thinking how silly you
| |
| | changes) or last date of activity. This
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| were acting. Its a little chilly, so you
| |
| | can be tricky.
|
| grab your jacket from a hanger.
| |
| | This is 2006, so anything from 1999 and
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| Wait...something is wrong.
| |
| | back would be good candidates to attack.
|
| You feel the inside pocket and there are
| |
| | But what if you made a payment (but not
|
| several envelops. Spreading the envelops
| |
| | total amount) in 2004, and then stopped
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| over the bed, chill bumps begin to erupt
| |
| | paying again. This would make your seven
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| all over your body. It can't be. Its not
| |
| | years begin over from 2004 instead of
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| possible. The mortgage payment. The car
| |
| | 1999
|
| note. All the utilities. Water, gas, and
| |
| | Now, lets start adding positive trade
|
| light bills...all there. How?! You know
| |
| | lines to your credit file. Don't have a
|
| without a doubt that you put these in the
| |
| | lot of money, then you'll love this
|
| mail weeks ago. A quick glance at the
| |
| | strategy. Get several loans from
|
| calender and your chill bumps double in
| |
| | different lending institutions. Depending
|
| number. All are now OVER 30 DAYS late!
| |
| | on the amount of funds you have access to
|
| "Ha...ha...ha!" Then again even louder,
| |
| | use for this strategy, banks may be not
|
| "HA...HA...HA!" As you run to the window,
| |
| | be an available avenue. Here's the
|
| you catch a faint glimpse of something
| |
| | easiest way to handle this situation.
|
| fading into the rainy night in the yard.
| |
| | Obtain a passbook savings account loan.
|
| Snow has more color to it than your skin
| |
| | Here's where it gets interesting. Most
|
| does at this point. The night wind echoes
| |
| | banks won't do this unless you have $10k
|
| one final message. "Your...(your...your)
| |
| | or more in your saving account. Wow! A
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| Score...(score..score)
| |
| | better solution are credit unions. This
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| Shall...(shall...shall)
| |
| | is what I have done before and still do
|
| FALL...(fall...fall).
| |
| | on occasion. Call your credit union (or
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| This is what most likely happened.
| |
| | one you'll join) and ask them about their
|
| You had that jacket on three or four
| |
| | savings account secured loans. Most will
|
| weeks ago meaning to drop the bills in
| |
| | allow you to make yearly payments,
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| the mail, but forgot. Just like children
| |
| | meaning you don't have to make payments
|
| have their 'my dog ate my homework'
| |
| | during the course of the loan. If that
|
| story, we adults have our 'Credit Boogie
| |
| | isn't good enough, you can renew the loan
|
| Man' urban legends. The 'Credit Boogie'
| |
| | for another year by simply paying the
|
| man didn't damage your credit score, you
| |
| | INTEREST ONLY that's due.
|
| did. But not to worry, there is always
| |
| | This is what you can do to fund the loan.
|
| time to change your perception on the
| |
| | When you get paid, go by the credit union
|
| proper use of credit.
| |
| | and place (or open an account) your
|
| First you need to obtain a copy of all
| |
| | cashed check money into the account. Then
|
| three of your credit scores and reports.
| |
| | turn right around fill out the loan
|
| MyFico(.com) handles scores and reports
| |
| | paperwork and have your funds back in you
|
| for Eqifax. CreditExpert(.com) handles
| |
| | hands. Now, just rinse and repeat these
|
| reports and scores for Experian.
| |
| | steps with several credit unions. My
|
| TransUnion uses TrueCredit(.com) as their
| |
| | credit report shows these accounts as
|
| site to get your report and score. And
| |
| | 'paid as agreed'. What else could it
|
| yes, I'm aware that you can get a copy of
| |
| | show. I don't make any payments,
|
| each of your reports from each bureau
| |
| | therefore there's no way to be 30 (or
|
| free from AnnualCreditReport(.com), but
| |
| | more) days late.
|
| most people don't know that your score is
| |
| | You must prepare yourself. Who knows?
|
| not free. You will still have to go
| |
| | Maybe next time the 'Credit Boogie Man'
|
| through one of the sites I listed above
| |
| | won't be able to cause so much drama in
|
| to get your scores (did you really think
| |
| | your life.
|
| it would be that easy).
| |
| |
|
