Living the Dream!

Tip #31: Don't overlook bankruptcy.A bankruptcy will affect your credit score more than just about anything.  Worse, it will affect it for many years.  In the first few years after a bankruptcy, you may not be able to get loans at all.  In short, a bankruptcy is a legal proceeding that either for...

Tip #29: Start repairing your credit right away after a big financial upset.A big financial problem is an emotional as well as a monetary burden.  Plenty of debtors feel so terrible about their financial problems and so uncertain about their money that they go into deep denial, refusing to think ...

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Tip #28: Contact your banks and ask credit limits to be reduced.If your credit risk rating is poor, and especially if it has taken a beating lately due to non-payments or other problems, you can ask that your bank reduce the credit limits on your credit cards, credit lines, and other debts.  You ...

Tip #27: Give it timeMany people believe that simply paying off debts will improve their credit score at once.  This is not true, unfortunately.  If you have experienced a bankruptcy, have been reported to a collection agency, or have had charge-offs, the record will remain on your credit report ...

Dealing With a Credit Score after a Big ProblemBig, bad problems can happen to you - bankruptcies, divorces, law suits, non-payment of taxes.  These are big problems that can affect your credit score in as big way.  If you have faced a large problem that has ruined your credit, you need to take a...

Tip #24: Look out where you get your credit report - and what it containsYou can get your credit score from any number of resources.  One place you can get it from is from credit bureaus themselves.  You can pay for the service, but you qualify for one free credit report a year or qualify for a f...

Tip #23: Contact creditors as well as credit bureaus when correcting inaccuracies in your credit reportWhen debtors find mistakes on their credit report, they often only contact the credit bureaus.  While this is the most effective way to resolve the issue, you should in some cases contact the cr...

Tip #20: Add a note to your credit report if there is a problem you can't resolveSometimes, there are legitimate reasons why you didn't pay a bill.  If a contractor refused to finish a job or did a poor job, then you may have refused payment, but the non-payment may still count against you on you...

If you have not read the introduction, Part 1, then please do so here. It sets the foundation for these principles. Likewise, if you have not read Part 2 then please do so here. Now for the 3rd and final part of  The 7 Laws of Abundance #3. The Law of Creation Become a creator, 2 parts:Part 1: Me...