In some cases, bad credit is a result of irresponsible money management. But it often occurs because of unexpected financial hardship. One day you might have all of your bills current, and the next you could become disabled or lose your job. And if you fall behind on your debts, it will wreak havoc on your credit rating. Credit repair agencies claim that they can remove bad entries from your credit report. But did you know that you can often have them removed yourself at a much lower cost? There are two methods by which you may be able to get negative entries removed from your report. Option #1: File a Dispute with the Credit Bureaus The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate any item on your credit report that you dispute. If the information is found to be false, inaccurate or unverifiable, it must be corrected or removed from your report. The bureaus have 30 days from the time they receive notice of the dispute to complete their … [Read more...]
The Daily – Contentment is Not Always Easy to Obtain
We live in a world of materialism. I am sure that this has always been an issue. Money and stuff have been a problem with mankind since our early days on this earth. However, today, I feel it is most likely at it's highest level since we have so many media outlets. You cannot go anywhere, hear anything or watch something without some sort of materialistic message, commercial, commentary or topic. It is everywhere. How can you be content when everywhere you look life seems better? Well, we must realize that it only appears better. Many times all that "stuff" comes at a price. The price could be time, ethics, and an acquirement of debt. None of these are worth the gain in the long run. We choose to not trust God and accept what HE wants us to have. We would rather take matters into our own hands. And my God will liberally supply (fill to the full) your every need according to His riches in glory in Christ Jesus. - Philippians 4:19 We do not want what He gives us. Many times, it is … [Read more...]
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