5 Tips For Improving Your Credit Score

Here are 5 tips to help improve your credit score.

1. Get copies of your credit report —then make sure the information is correct.

Go to the Annual Credit Report web site. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every 12 months
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You can also call 877-322-8228 or complete the Annual Credit Report Request Form at the Federal Trade Commission (FTC) web site and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

2. Pay your bills on time.

One of the most important things you can do to improve your credit score is pay your bills by the due date. You can set up automatic payments from your bank account to help you pay on time, but be sure you have enough money in your account to avoid overdraft fees.

3. Understand how your credit score is determined.

Your credit score is usually based on the answers to these questions:

Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a collection agency, or have ever declared bankruptcy, this history will show up in your credit report.

What is your outstanding debt? Many scoring models compare the amount of debt you have and your credit limits. If the amount you owe is close to your credit limit, it is likely to have a negative effect on your score.

How long is your credit history? A short credit history may have a negative effect on your score, but a short history can be offset by other factors, such as timely payments and low balances.

Have you applied for new credit recently? If you have applied for too many new accounts recently that may negatively affect your score. However, if you request a copy of your own credit report, or creditors are monitoring your account or looking at credit reports to make prescreened credit offers, these inquiries about your credit history are not counted as applications for credit.

How many and what types of credit accounts do you have? Many credit-scoring models consider the number and type of credit accounts you have. A mix of installment loans and credit cards may improve your score. However, too many finance company accounts or credit cards might hurt your score.

To learn more, see the Federal Trade Commission’s publication on credit scoring at their web site.

4. Learn the legal steps you must take to improve your credit report.

The Federal Trade Commission’s “Building a Better Credit Report” has information on correcting errors in your report, tips on dealing with debt and avoiding scams—and more.

5. Beware of credit-repair scams.

Sometimes doing it yourself is the best way to repair your credit. The Federal Trade Commission’s “Credit Repair: Self-Help May Be Best” explains how you can improve your creditworthiness and lists legitimate resources for low-cost or no-cost help.

Zodiac compatibility

Zodiac compatibility

So is there anything to zodiac compatibility. Does your astrological sign really have anything to do with who your ideal mate is. Or who can be the best friend for you. Is there a reason why some siblings are rivals for life, while others are as close as twins.

Consider the writer, who is a Virgo, although an atypical Virgo (we think). Her sister is a Capricorn, and according to the astrology experts, we should be in tune with Capricorns. And in fact, the writer and her sister and quite literally opposite sides of the same coin. We have the same dreams! And we know when the other is in trouble of some kind. We will call each other at odd times, only to discover that the other was in trouble, or needed help or advice or counsel. We don’t know it consciously, but it just works out that way.

Then there was her husband, or ex-husband, to be more exact. He was a Libra and perhaps we should have done some research into astrology before we got married. In one article we read, under Libra, it said “No chance.” How true, how true!

So should you make the decision about your life partner based on astrology. Well, it doesn’t hurt to do some dispassionate examination before taking such a big step. While you might not want to reject someone on the basis of his birth date, a good horoscope CAN help you out with some clues to his or her nature that you might not pick up on all by yourself. And when they do something that completely mystifies you, perhaps a little basic knowledge of astrology will help you decipher what’s going on and help you communicate better. And that’s never a bad thing, no matter what resource you’re using for better communication.

Numerology

Numerology

Pythagoras, the father of mathematics is also the father of esoteric numerology. He believed that there was an order to the universe and that number were more than a means of quantifying things.  His philosophies included the idea that each number had an esoteric meaning.

Esoteric numerology, then, is the art and science of understanding the spiritual significance and orderly progression of all things. Every word or name vibrates to a number and every number has an inner meaning. The letter and number code, when properly understood and applied, brings us into a direct and close relationship with the underlying intelligence and vibration of the universe.

Pythagoras taught that numbers operate on the spiritual plane. With a few exceptions, everything can be factored to a number from 1 through 9 and each of those numbers has an esoteric meaning. It also represents an interval in a cycle. Pythagoras saw in number patterns and geometrical ratios the explanations of all natural phenomena, musical harmony and tonal qualities. He knew that the stars and planets were vibrating entities that produced sound, which he called the harmony of the spheres.

The only times that life numbers are not coded to the lowest single digit is when that number is 11 or 22. Ordinarily, 11 would be factored to a 2. But the number 11 is what’s called a Master Number and is extraordinarily powerful in Numerology. There is, in fact, an entire cult built around the number 11, or more specifically, 1111. This is a number that refers to End Time, and is a fascinating study all by itself.

As an example, your birth date provides the pattern which we call the Life Lesson. Your name given at birth, when transcribed into numbers with a code that has existed since Pythagoras’ day, can tell you the state of consciousness that you have achieved in this lifetime and indicate the record of the growth of your soul as well.

Your personal numbers are pieces of the puzzle that define your existence. When you delve into numerology, you also delve into the ancient sciences of astrology and tarot.

Cancer

Cancer

The sign of Cancer (June 22 – July 22) has very little to do with that prickly crustacean, believe it or not. In fact, it’s hard to pin down exactly what constitutes the Cancer personality.  The ancient Egyptians perceived Cancer as the sacred scarab. It was a symbol of resurrection and immortality and they often placed a carving of a scarab in the body where the heart had been, as part of the mummification process.

Cancers are very imaginative and intuitive. They make great artists and musicians. They’re not risk takers, and will take the time to contemplate all sorts of outcomes and probabilities before taking on a new venture. They’re very sympathetic and protective of those around them. They will help out in whatever way they can, although not impulsively and will temper their generosity with calculating all the risks first. They’re emotional and loving, and great family and pet people.

In the Zodiac Great Year, the Age of Cancer fell between 8600 and 6450 BCE. It was a time characterized by the worship of mother goddesses. During this period alcohol fermentation was discovered and people began to use copper.

Cancers make good journalists, writers or politicians because of their ability to think and judge independently what they’re told. They’re good in public service, perhaps in social service agencies. Cancers are good providers because they themselves love comfort and a good life.  Cancers can procrastinate and can upset their families with this trait. They’re not too good at taking orders, so positions where they’re required to be submissive or subordinate may not suit them well.

Famous Cancers comprise an interesting mix of accomplishments. They include the Duke of Windsor and Bob Fosse, Sylvester Stallone, the Dalai Lama, Robin Williams and Ernest Hemingway.

The best partner for Cancer is Taurus, while the sign with the least potential for a harmonious relationship with Cancer is Aries.

Aries

Aries

Aries the Ram (March 21 to April 20) is called the first sign of the Zodiac. We think of the beginning of the year as January, because that’s the start of the new calendar year. But this is the Zodiac year, remember, and is governed by matters more celestial than mundane! March 21 is the Spring equinox, which signifies the beginning of the Zodiac year. And when you think about it, this makes sense. Spring is the time of renewal and rebirth.

If you are born under this sign, you can tend to have the same traits as a young ram. Enthusiastic, adventurous, forthright and energetic. You’re courageous and confident. You could be a little impulsive though, right. Maybe something of a daredevil. Where the world be though, without daredevils, willing to strike out and do something completely different. Leonardo da Vinci is one of the most famous Aries ever born. Think of some other famous Arians, such as Thomas Jefferson, Booker T. Washington, Francis Ford Coppola, Jane Goodall and Marlon Brando. None of them afraid to break new ground; all of them changed the world or their chosen fields in some way.

People born under the Aries sign are passionate lovers and intense friends. They risk driving people away with their intensity and need partners that can match them without fueling the fire and creating explosive situations.

Arians make good doctors, athletes and explorers. This isn’t to say that people born under the sign of the Ram are all action, though. They have a softer, lamb-like side as well and if you’re an Aries, make sure you draw on this side of yourself as well when dealing with other people. You may have difficulty in certain jobs, because you’re an idea person and the person to get things started rather than finish them up. Surround yourself with people who can supplement these traits and you’re sure to be a success.