http://oliodigest.com/ Latest Credit Articles en-us http://oliodigest.com/finance/credit/how-to-fix-bad-credit.html http://oliodigest.com/finance/credit/how-to-fix-bad-credit.html Thu, 01 Jul 2010 06:09:39 -0500 If you're like most Americans the economy has taken a toll on your credit. Late payments on mortgages, car loans, and even credit cards have damaged millions of hard working and honest peoples credit score. So, what can you do if you're ready to repair your credit and wish to get back on track? We offer a step by step guide below.

First, you should get current if you are late on any of your accounts. This is important and is a crucial step to fixing your credit. Your payment history makes up 35% of your credit score and lenders want to see a clean payment history with no lates.

Second, consider paying off as much debt as possible, how much debt you utilize plays a big role in determining your credit score, the less you owe your credit card company the better.

Third, if you have any accounts in collection we recommend trying to settle with these agencies. Collection accounts hurt your score a lot and will stay on your report for at least seven years. You can usually settle with these companies for 10%-40% of what you originally owed. Just make sure that when you contact these companies you be upfront and tell them you are willing to settle as long as they agree to remove the derogatory item from your credit report, make sure you get this in writing.

Fourth, consider hiring a credit repair company that knows what they're doing. A legitimate credit repair company knows how to remove late payments, collection accounts, charge offs, and even a bankruptcy if they are not being reported accurately by the credit bureaus. Keep in mind you get what you pay, it is unlikely you will get a great service by paying $40 a month most of the time they will not do anything for your credit report and you'll be out a lot of money without any results. Look for a company that offers some sort of guarantee that they will get you results, after all that is what you're paying them for.

]]> http://oliodigest.com/finance/credit/deception-and-infidelity-support.html http://oliodigest.com/finance/credit/deception-and-infidelity-support.html Wed, 25 Aug 2010 20:00:07 -0500 Human beings are a social species by nature so it makes sense that we would feel safer, even if not in groups, when we have people we can turn to for help. Any species that is similarly social has an advantage over rivals in the wild: they can leverage the power of each individual's strengths. In practical English, what this means in the case of deception is that a person will find it much easier to deceive one individual than they will several individuals. The reason is that with multiple perspectives examining a situation, different angles can come together to form a more accurate picture. Each person has their own unique set of values and each of them will notice different parts of a story they are told or a scene they are looking at. This is exactly why court systems in the United States and other countries use juries instead of only a single judge - to leverage the power of multiple perspectives and multiple minds.

When it comes to catching a spouse in infidelity, it is often a matter of determining whether or not the person is being truly deceptive or is simply a poor communicator. Many people will struggle with determining the difference so they may need outside advice to make sure that they are not being suspicious of their spouse simply due to their own personal insecurities or low sense of self worth. Yes, people really do invent elaborate fantasies about a cheating spouse that are 100% untrue. People also have intuitions which lead them to distrust what they are told and then later find out that they were 100% correct. The important thing is to figure out whether the deception is taking place and if it is what you can do.

Trusting friends and family is one way to go, but the problem is that as loyal as these people probably are to you, they are hardly a source of an impartial perspective. They may not like your spouse and that would cause their view to be slanted and quite possibly inaccurate. Real support for dealing with deceptive people involves seeking out a professional trained the means necessary to detect deception. Pathological liars can be so skilled that even detectives have a tough time identifying their deception. A expert with the proper training can offer support and also elaborate on the reasons why the deceptive spouse is resorting to such tactics. Not all liars are sadists; some are merely fearful, weak people who you would be better off avoiding altogether.
 
No matter what the specifics of your situation are, you need to realize that there is counseling for infidelity and those who suffer from dealing with a deceptive spouse. Finding an expert to help you get through this difficult part of a relationship is key. Never go it alone when help truly is available.

]]>