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.
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
Electricity is essential to modern life. For most people the electricity in our homes is not free. Reducing its costs, even incrementally, can save real money over the long term.
Here are some discounts our local utilities offer that most people can benefit from with small painless changes in routine. You must request the discounts be applied to your account.
Time of Day Rate
You could reduce your energy costs by requesting DTE Energy’s residential Time-Of-Day Electric Rate. The more you shift your electricity usage to off-peak hours — early mornings, evenings and weekends — the more you could save.
How It Works
This rate is available to residential customers who choose to have their energy usage metered based on our on and off-peak hours.