Everyone can have a great credit score (750+.) How long it takes depends on from where you start. It will take a person with a 450 score longer than a person with 620. And both longer compared to a 720 score. But it can be done. The journey of 1,000 miles begins with the first step. Here are 2 steps to having a great credit score.
Step One STOP putting BAD news on your credit report.
If you do nothing, your credit will clean itself up in 7 years. The Fair Credit Reporting Act (FCRA) requires that.
Step Two Put some good news on your credit report. Gotta Do It!
Current positive tradelines on your credit report have a greater impact on improving your credit score than older negative ones. They will improve your score faster and easier than just doing Step One alone. Here are some ways to put positive tradelines on your credit report.
There may come a time in a relationship, as things get more serious, the question, “what is your number?” may be asked. Of course, that question is normally only asked or answered in a serious relationship.
So assume, the relationship is serious enough to provide an answer. There is a decision to be made on how to answer. Self-inflicted shame and guilt may tempt you to be other than honest. What kind of number is acceptable for your partner?
Does your behavior contradict or affirm your goals/beliefs? Are you worried what your number says about how you behave and what you believe.
If you are going to answer, you should answer the question honestly. You should have answered it for yourself, honestly, by now. By the way, if you can’t answer honestly; you are not serious about the relationship and self-deceived.
So how should you answer the question, “What's your number?”
Get your mind out off your crotch, for minute. I’m not talking about sex but rather money.
I'm talking about your savings number. Your debt number. Your income number.
Just as it is important to know your partner’s sexual behavior, likewise for money behaviors. STDs are real. Avoid STDs, sexually transmitted debt. Know your risk factors and resources.
If you are serious, here are some numbers you need to understand about your partner. Some may be deal breakers. Maybe it’s time to be tested.
Unavoidable Mass Cyber identity attacks on global consumer databases mean you have to up your game. Not shopping, living, researching, networking, porning and being online is not an option.
Despite companies’ best efforts, data breaches have become an all too common occurrence. Most vulnerable are people that reuse passwords at multiple sites. A look in the mirror will reveal the prime suspect and the solution. It easy to harden your cyber defenses with just 180 minutes of focused efforts.
An Easy strategy that pays off for you again and again with less stress and more peaceful sleep. Spend 3 hours from start to finish you will have completed a one time task that will increase your identity protection everyday.
1. Required Behavior (you have got to do it; not just know it) to defend your cyber security.
2. Use technology against technology
Here are the benefits of having organized financial records: