Remember in the previous blog entry I said that only the to positive information is known by you or your credit union / bank. Only negative information is reported to the credit bureaus. Whenever you skip the payment, overuse your credit car, go over your credit limit, pay your bills late, this is reported to the credit bureaus. I had mentioned this in a couple of blog entries ago. All the information on your credit report is used by the credit bureau and in turn is used to calculate your credit score. There is a Equifax FICO score. There is a vantage score

Sometimes coming to a credit repair blog can be very depressing because all you read is how to get rid of your debt to improve your credit score, how to improve your financial life, how to spar with collection agency who leave you nasty messages, a lot to get scammed by credit repair services, and how to repair your credit after a brutal divorce.

Well it doesn't have to be that bad. You're given a choice. Below is a quote from a stack of cards called wisdom of the krone.

"Joy, seek out what brings you joy. Is it special person? Union with nature? A better credit score? A new spouse? A new dog? An awareness of the small and profound? Nurture happiness, pleasure in the light and you will be filled with a fresh energy and a lightning of the Spirit. Remember enjoy is contagious. Open your heart, eyes and your SUM"

Guest Arthur: Maggie Franklin

Please click on the link above to learn more about budgeting made easy. You don't have to spend 10 hours a week with your calculator, spreadsheet and pull your hair out wondering how you're going to come up with the money to put towards repairing your credit.

There is nothing like the feeling of being debt free

I am building a cottage type house that is only less than 2000 square feet, I went there with my architect, builder, and even my father in law and they would not approve me for the home loan. I have heard of these terms, liquidity crisis, tightened lending standards, but do you know what is going on?