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Chad Sunyich's Articles in Finance Show All|Display Category|Title|Newest|Oldest Credit Repair Basics With soaring US public debt, falling home values and record gas prices, many of us feel like our credit scores have been on a roller coaster with no end in sight. There is hope! The Federal Trades Commission has established hundreds of laws and rulings geared to help protect consumers. Federal law also requires that your credit report be accurate, complete and verifiable, and it’s your right to challenge and remove any information th Financially Fit for Life Achieving financial freedom requires a road map that must be followed to reach the final destination, and your goals are the signposts that will show you the way. Without goals, long-lasting changes are hard to make in life. Here are some suggestions designed to help you begin the goal setting process and start your path to ultimate wealth. Roll up your sleeves on debt elimination There are several methods or theories about the most effective debt elimination. process. Most financial experts advocate the application of power payments, or additional payments directly to your principle, as the most effective way to rapidly eliminate debt. Many of these experts would also recommend that you begin a roll up program by eliminating the debt that carries the highest interest rate first. Others recommend applying an You and Your Credit What is a credit score and how is it determined? Let's start from the beginning. There are three credit repositories that track and report all credit related information: Equifax, Trans Union and Experian. Creditors report credit related information to credit bureaus. Credit bureaus then pass the information on to the credit repositories that document and transfer the information to your credit report. Managing Your Credit Nearly every consumer will have at least one inaccurate item included on their credit report, and it is up to you, the consumer, to make sure your credit file is accurate, verifiable and complete. How to negotiate your interest rates One of the quickest and easiest ways to find additional cash flow is by challenging the interest rates you are being charged, especially on any high interest consumer debt. Negotiating lower interest rates reduces your monthly payments, creating additional cash flow and interest savings. The Three Factors of Investing In part one, we discussed how time is by far the dominating factor in investing, but we only have a limited amount of time and time is not easily doubled. We also learned that interest rates are somewhat of a moving target, unless they are fixed, but no high-return investment is ever fixed. This leads us to the last factor of investing or the amount of money you can afford to invest.	Submit Articles  Member Login  Submission Guidelines  Ezine Notifications  Popular Articles  Article RSS Feeds  New Stuff  About Us  Link to Us  Contact Us  Privacy Policy  Terms of Service   EnterArticles.com Submit Articles   Monsterputt.com Golf Clubs and Accessories

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