Your credit score is one of the most important factors used by lenders to determine whether to grant you credit, how much credit to grant you, and at what interest rate to grant it. For this reason, it is important to know that your score truly represents your credit standing. Generally, the higher your score, the better off you are.
Lenders do take into consideration other factors: your job history, your income, your savings, mortgage information and your actual credit report. They may even take into consideration any special reasons for past credit problems. In the end, the final decision on whether or not to grant you credit lies with them.
If you are planning a major purchase, you should check both your credit report and your credit score several months before. Make sure the information in your credit report is accurate, as this will affect your score. Credit scores above 650 will usually qualify you for credit. Below this, you may have trouble receiving credit.
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It’s that time again. This year I’ve got a whole long list of resolutions. That’s right. New years is just two days away. I’ve got my list. Do you have yours? If you are like more than half of all American’s the answer is no.
Eight years ago I moved to Salt Lake with very little. My son, my computer and my car. The rest of what I had fit in my car. Clothing. Nothing else. That was it. Six months later we still hadn’t accumulated much more. So it was a devastating loss when the car broke down that last time. With no money to fix it I had to let it go. My only option was public transportation.
You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes. Its supposed to be 102F here today. That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?
What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal.
Plasma donation. I does it.
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