If you have been denied new credit because of your existing bad credit then you will save time and money by following these three steps.

1. Explains WHY your credit repair rights are legally protected.
2. Describes WHERE you should begin to start your credit repair actions.
3. Dictates HOW your credit repair actions should be performed for maximum effectiveness.

1. Further your understanding of the Fair Credit Reporting Act (FCRA). These Federal rules, regulations and guidelines have to be followed by consumer reporting companies - Equifax, Experian, and TransUnion in order for them to be consumer reporting companies. Specifically for our purposes we will focus on three parts of the (FCRA)

1. Read FCRA Section 611(a)(1)(A) which states:

   “If the completeness or accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.”

2. Read the FCRA Section 611(a)(3)(A) which states:

   “…a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.” The law requires that an agency notify you within 5 business days if they determine your dispute to be frivolous or irrelevant. The law does not dare to define what is grounds for making such a determination except for “failure by a consumer to provide sufficient information to investigate the disputed information.”

3. c. Read the FCRA Section 611(a)(5)(A) which states:

   “Historically, an item that was deleted would occasionally reappear on a consumer’s credit file. This occurred when a credit grantor automatically updated a consumer’s payment history. Most often this happened with a credit granter with whom the consumer still had payment activity. However, the new FCRA does not allow a deleted item to be added again unless the creditor certifies that the information is correct.”

2. Take an active role in maintaining an improving your credit by getting your free credit report.

1. The FCRA requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you a free credit report, at your request, once every 12 months.
2. You can order three ways

1. Online at www.annualcreditreport.com
2. On the phone 1-877-322-8228
3. Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

   You need to provide your name, address, Social Security number, and date of birth.

   Tags: credit history repair, credit rebuild, credit repair yourself, legal credit repair, self credit repaircredit history repair, credit rebuild, credit repair yourself, legal credit repair, self credit repair

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Increasing the value of your home with home improvement remodeling

When most people set about selling home they forget that their property is worth exactly what someone thinks that it’s worth. No more and no less. If a prospective buyer thinks that it’s worth more then you will make more money when you sell it. The location of your property and the size of it sets the base worth of the home but at the end of the day it won’t sell at the price you think it’s worth unless someone likes it when they view it.

So to increase the value of your home and make money when you sell it you need to make it look nice. That’s all you need to do, make it look great. By making your property look amazing instead of dull and tired you can increase the value of your home by as much as 20% in some cases and you can go a long way to achieving that goal without spending huge amounts of money.

Home improvement tip

So what makes someone like your property when they come to view? It isn’t the location or the size of the buildings because they new all that before they came to visit. Most people either fall in love with a place or hate it depending on what they see when they walk around. At the end of the day that comes down to the interior decorating and general impressions they get when walking around. Even clutter in rooms can put people off even though it has nothing to do with the property at all.

Concentrate on what your property looks like rather than trying to increase value with building work because that is what will give you the most increase in value for the least outlay of money.

Bathroom home improvement

The bathroom is a room that can really turn a visitor into a buyer if it looks good and there is a lot you can do to it without needing to spend a lot of cash on it.

Make sure that everything in the bathroom is spotlessly clean. Treat and eradicate any black mould that might be growing in places like the grout between tiles and the sealer around fixtures. The sight of black mould alone can be enough to put off a prospective buyer altogether. Always dry up any condensation as it forms as this encourages the mould to grow. Make cleaning a regular chore.

Lighting can play a big part in your bathroom experience so investigate soft soothing lighting arrangements. Small lights placed around the edges of a very small bathroom can make it look bigger than it really is which will immediately increase its perceived value.

Paint the walls and ceiling or better still, tile the walls. Light coloured tiles with simple designs are best for a bathroom and can be inexpensive. If you have the budget, tile the whole bathroom from floor to ceiling to give the biggest ‘oooh’ factor. This is very effective in a small bathroom.

You might decide to get a professional tile setter to tile your bathroom but you can save a lot of money by doing it yourself. It’s also a very satisfying job to do because it will look great and you can say that you did it all yourself. For tips on tiling your own bathroom read the article Setting Ceramic Tile With Ease

Repair and maintenance

Fix anything that doesn’t work properly and make sure that everything is well maintained. You don’t want your buyers to see the shower dripping because it won’t turn off.

Home improvement - remodeling and restoration

If you want to make a big impression on your buyers then you can think about more drastic measures like bathroom remodeling. Rip out all the old stuff, design a new layout that makes good use of space and add features that you didn’t have before like a separate shower cubicle. Provide subtle lighting, floor to ceiling ceramic tiles and your homebuyers won’t be able to resist.

By making improvements to make your home look better, no matter what they are, you can increase the value of your home by substantial amounts so don’t neglect it when you’re selling. Make money from home improvements.

Small bathroom remodeling ideas Save Space with a Small Bathroom Shower at www.bathroomsremodeling.this-info.com

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Penny pincher Paul
Come on ya’ll
I’m not that bad
I save sometimes
And spend other times
What’s so wrong
With saving a dime?
Money after all
Amounts to irretrievable time.
At least it gives me
More to write about in my rhyme.
Yes, I drive my wife crazy sometimes
When I turn off the fan
After she leaves the room
Turn off the lights
When she’s out of sight
Turn off the dripping faucet
Before I say good-night
But as for me
It feels alright
Besides I treat her right
By no means
Am I being trite
I took her to Paris and Nice
Oh, with that you I could entice
Perhaps you don’t know
Nice is not pronounced nice
Nevertheless I took her elsewhere
To other places too
Down Under to the Taronga zoo
So before you criticize
Tell me what your honey
Has done for you?
I Amsterdam
My Dutch darling
Did that with me too
And the Grand Casino
In Monte Carlo, Monaco
Though our money there
We surely did not blow
Then of course
We had a honeymoon
In the islands of Fiji
I guess by now
You’re starting to like me
Or maybe hate me
Out of jealousy
That matters not to me
Cause I’m happy in my own skin
Happy to just be me
Whether I’m pinching pennies
Or frivolously spending dollars
Being praised
Or getting hollers
Penny pinching Paul
Some may erroneously call
If they do
They fully don’t know me
Cause I both save and spend
Cautiously and wholeheartedly!

Paul Davis is the founder of Dream-Maker Ministries (DMM), a nonprofit organization that is committed to building dreams, breaking limitations and reviving nations.

Paul’s compassion for people & passion to travel has taken him to over 50 countries of the world where he has had a tremendous impact. Paul has served people in war-torn, impoverished regions of the earth.

Paul worked at Ground Zero the first week of 911; helped in genocide plagued Rwanda and Burundi; addressed Muslims in Pakistan; and served in Banda Aceh, Indonesia (the tsunami epicenter). Paul connects well cross-culturally with all peoples, values each individual as a unique treasure, and transcends barriers that divide.

Paul is the author of several books including Breakthrough for a Broken Heart; A State of Emergency; and God vs. Religion. He is also a masterful poet.

Charitable contributions are always welcome. All gifts are tax exempt with the IRS.

Dream-Maker Ministries PO Box 684 Goldenrod, FL 32733 USA

http://www.DreamMakerMinistries.com - RevivingNations@yahoo.com - 407-967-7553

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