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.

The History Of The Star Wars Films

Star Wars was one of those magnificent films that was an instant phenomenon when it hit the box office and continues to be a hit today. Why not take a moment to follow the intriguing history of Star Wars.

After a successful run in the early 1970s with the box office hit American Graffiti; in 1975 George Lucas writes a basic story about Anakin Skywalker’s rise, fall, and redemption. The story is so long that it needs to be divided into 2 trilogies.

The first trilogy focuses on Anakin Skywalker’s young life while the second focuses on the life of Anakin’s son Luke Skywalker. Since the second trilogy is the most interesting, Lucas decides to film it first.

He offers the film to Universal Studios who had financed his American Graffiti film, but they chose to pass thinking it was a ridiculous movie. They would live to regret this decision which would cost millions of dollars in lost profits. But they wouldn’t be alone in those regrets as every Hollywood studio passed on the movie. That is except for 20th Century Fox who came up with $10 million for Lucas to make his first Star Wars movie a reality.

In May of 1977 Fox released Episode 4 of Star Wars, A New Hope. The tone was quickly set. The film was instantly seen as the biggest adventure ever on film. The special effects were considered magnificent and outstanding. In fact, nothing remotely close had ever made it to the big screen before.

On opening day, the Star Wars movie ran in only 32 theaters, but it still produced an amazing $254,309 in ticket sales. By the end of its first run it had become the most successful film ever in North American history grossing more than $290 million.

Lucas reportedly received $50 million of those profits. When Lucas cut his deal with Fox he was more interested in control of the film then he was in his percentage. He wanted all rights to the final cut and all rights to future sequels, Star Wars merchandise rights, and 40% of the gross. This deal ultimately made Lucas a billionaire.

By 1978 Lucas had purchased the more than 1800 acre Bulltail Ranch in San Rafael and soon production of the sequel to Star Wars, The Empire Strikes Back, was underway. Lucas was financing it out of his own pocket and it had a budget of $18 million; however due to budget overruns the actual filming cost more than $30 million. In May of 1980, The Empire Strike Back, hit the theaters grossing $222 million, making it the highest grossing film of the year.

In May of 1983, Return of the Jedi, hit the theaters grossing $265 million in North America and Lucas decides to retire from Star Wars projects to pursue some of his other interests. He made a vague promise to make the Prequel Trilogy someday if special effects ever become advanced enough.

That day arrived in 1994 when Lucas announces he will begin working on the Prequel Trilogy with a tentative release scheduled for 1998. In 1996 Lucas signs the biggest deal ever seen in the industry with PepsiCo for movie tie ins, and later in the year he announces that the pre-production has started, and in May of 1999 Episode 1 titled, The Phantom Menace, was released, followed by Episode 2 titled, The Attack of the Clones.

Many believe that 100 years from now Star Wars will still have a following. In fact by then it may have grown to epidemic proportions.

BBC Banned Music: Top Singles Banned By the BBC

In 1977, when England was celebrating the Queens Jubilee, the Sex Pistols had released their second single titled God Save the Queen. The single includes controversial lyrics that rhyme the national anthem title with fascist regime. Moreover, the record cover displayed a picture of the Queen with a safety pin stuck in her nose.

The single was found to offensive to be air played by the BBC, but it did not stop it from reaching number two on the BBC official singles chart. According to the myth, God Save the Queen was the top selling single in the UK at the time, but it was held back of number one to avoid controversies.

Serge Gainsbourg and Jane Birkin scandalous duet Je TAime ... Moi Non Plus, translated: I love you... me neither, was the first ever number one hit to be banned by the BBC. Although at the time of its release, in 1969, the sexual revolution was celebrated, the British radio still was not able to cope with such explicit lyrics, not to mention Birkins moans and groans.

The BBC ban and The Vatican denounce, did not stop Je TAime ... Moi Non Plus from being a top selling single in the UK and worldwide. In October 7, 1969, the single reached number one in the BBC official singles chart. At the same time, it had reached number 69 at the US singles chart.

Je TAime ... Moi Non Plus was a major influence on another BBC banned single, Donna Summers disco pioneer from 1976 titled Love to Love You Baby. After counting 23 faked orgasms performed by Summer in Love to Love You Baby, the British Broadcasting Corporation banned the song. However, it did not stop it from becoming a massive hit. Love to Love You Baby reached number four on the UK single charts but peaked to number two on the Billboard pop chart.

Relax by Frankie Goes to Hollywood is one of the most controversial singles as well as commercially successful singles in history. The BBC did not only ban the song it also did not stop BBC Radio 1 DJ Mike Read to publicly express his feelings of disgust from the single's explicit lyrics. In 1984, Relax stayed in the UK singles charts for 42 weeks. In five of them, it stayed in number one. By the end of 1984, embarrassed Auntie Beeb removed the ban. Relax is still very popular worldwide and it is one of the most recognized symbols of the era. The arguments on whether it gained such a huge success despite the BBC ban or the BBC ban helped promoting it have not been settled yet.

Paul McCartney and the Wings response to the 1972 Bloody Sunday events titled Give Ireland Back to the Irish, was banned by every media resource in the UK. It was forbidden from being broadcast by the BBC, Radio Luxembourg and the Independent Television Authority. In addition, the song title was not allowed to be pronounced on the air, so when it arrived to the BBC Radio 1 chart show it was presented as a record by the group Wings. However, Give Ireland Back to the Irish hit the top of the Irish singles charts.