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[N109]Need A Credit Report

by Steve James Jones, Ste

When applying for a loan or credit, lenders will gain access to credit reports to find out about your credit history. Unfortunately, this credit report stays with us for life so any mismanagement of credit when young may affect you many years after you have sorted out your finances. Reasons why your credit rating may be bad include mistakes or missing loan payments, checks bouncing, and late payments on your credit cards and other bills.

It may therefore be useful for you obtain a copy of your credit history so you know exactly what it says about you and you are made aware of any potential problems. This means that you can take steps to try and reduce the damage of your rating by making explanations, especially if you have been made bankrupt in the past. You might also want to close accounts that you don't use and spread your credit card debts between a couple of accounts.

Another important reason to check your credit rating is to make sure that there are no mistakes. Only you will know if all the information is correct and you don't want the report to be released and accepted by lenders if there are any mistakes. One of the most important things to check for is the reporting of errors for late payments. If you do find there are mistakes then you need to contact both the credit agency and the creditor to explain the situation and this can then be investigated. In some cases, the creditors never bother to dispute your case, especially if the money involved is low and it occurred many years ago. If they don't respond within 14 days, the bad credit is struck off your report, instantly improving your credit score. Disputing cases is therefore the most direct way to improve your score.

In recent years, there has been a massive increase in identity fraud, which is when somebody uses your identity to make payments or open credit card accounts. It is very difficult for you to identify if this is happening to you. However, it is advised that you obtain a credit report each year so you can check to see of there are any accounts that have been opened by someone other than you. Another sign of someone trying to use your identity is if there has been many credit enquiries from companies that you don't recognise. It is also recommended that you check your account before any major decisions, which may require a credit check such as buying a house or applying for home or life insurance.

You can apply for a credit check online or through one of the third party companies. These are Equifax, Experian, and TransUnion. The advantage of obtaining an online credit check is that it is free and can be accessed immediately. If you are refused credit from a lender, you can apply for a credit report free of charge within 30 days of being refused. The disadvantage of this is that you have to use a local agency rather than an online source and this may take time.

It is so important these days that you apply for a credit report on a regular basis, especially with the increase in identity crime. The information that you gain from applying for a credit report gives you the power to make a difference and improve your credit and as they say knowledge is power!

I guess I'm not well-rounded. I seldom take a vacation (never, come to

think of it), and I don't spend a whole lot of time in church, though

I do not consider myself a pagan.

All I do is work to pay a bill, and I'm approximately forty eight

hours ahead of the rest of my bills.

Based on this, I recently came to the conclusion that much of life is

pointless.

I need a hobby.

I need a hobby, something besides the simple desire for more sex. That

brings up an interesting point. Why is it that sex, is not considered

a hobby? Maybe it's because you don't use glue, or epoxy, like in

making a model airplane.

Then again, maybe you do.

In any event, I'm trying to find myself a hobby, something at which I

can relax, and find personal enrichment.

Here are some possibilities that I have actually acted upon, or have

been actively mulling over:

Like most suburbanites, I live in fairly close proximity to other

houses. The elderly lady in the house across from me stares at my room

window a lot. We've all seen people who stare. Maybe she's just bored.

But I've come to the conclusion...she's watching me for some reason.

There can only be one possibility.

She's watching me dress. And undress.

After a week of this, I decided to give her her money's worth.

I now do two nightly shows, and one in the morning.....at my window.

My dressing and undressing shows.

I go into a slow dance routine, and flex my huge, rugged jungle

muscles. I recently purchased a bow tie like the kind used by

Chippendale's male dancers, and I wear an old high school jock strap

from PE.

I'm thinking of adding a strobe light to expand the act.

This is a hobby that's better than gin rummy.

And, you're making people happy.

Another potential hobby involves the clever use of empty toilet paper

rolls, you know, those little cardboard cylinders once the toilet

paper is used up. I have long been fascinated by these.

Here's a neat potential hobby.

Take two of the cylinders and unravel them. They will still curl. You

can then put them on your wrists as bracelets. These can be worn while

making love to your wife or significant other lover.

You're portraying yourself as some kind of mythical fantasy hero like

Ben Hur, or Heracles.

He men used to wear bracelets back then. Really, no joke! Back in the

real old old days when they used to, "slay" guys.

Or, if making out in space is your thing, you can take twenty five of

these cylinders, glue them side by side, and wear them as a kind of

futuristic space belt like in Star Trek.

This gives your partner the chance to rip the belt off easily just

before she throws you on the "beam me up" machine and makes mad,

passionate love to you.

If you're fat, you might need fifty of the toilet rolls.

We can all be a little more creative these cold days while waiting for

the warmer weather, and come up with a hobby that is not only

satisfying, but gets us involved and aroused.

WRITTEN BY John Sammon

Article Source : Pg. 23

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Steve James Jones has sinced written about articles on various topics from Finances, computers and the internet and Computers and The Internet. . Steve James Jones's top article generates over 49500 views. Bookmark Steve James Jones to your Favourites.

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