How to Determine a Legitimate Credit Repair Business?

When you decide to hire a legal credit repair company to help you get a clean slate, one must know who they’re dealing with and if they can deliver what they promised they would deliver. You don’t want to spend your hard end money with fraud companies that only talks of nice things but cannot stand by their words.

Determining a Legitimate Credit Repair Business?

1.       Check their ratings with Better Business Bureau.

2.       Check if they have an upfront payment even before work is being done.

3.       Check what they aim once you sign up but don’t go for companies offering a guarantee because it all depends on the hands of the credit report agencies.

4.       Check if they work directly with the credit report agencies and if they work with creditors as well.

5.       Check if they dispute inquiries (very difficult to remove, about a 60-70% chance of them being removed).

6.       Check if they work to correct personal information discrepancies (in some situations this can be a problem)

7.       Check if they assist clients in dealing with collection agencies.

8.       Check if theyprovide on-going education to get and keep credit in good standing (if they know how to delete the negative items on your credit reports and scores, they should know how to educate people to get a reputable credit report scores)

9.       Check their type of membership.

1          10.   Check actual testimonials from their clients.

Basically these are the things you need check to get started once you decided to hire a legal credit repair company. Be vigilant to fraudulent companies as there are many of them on the website that promises the sun, moon and stars. If you think they are too good to be true and offering guarantees to help you improve your credit report scores, you better think a million times before handing over your hard end money.

How to check my credit score?

“How to check my credit score for free?” is what mostly people asked about. Basically you can view your free credit report online or get your free credit report by mail, however when you get your credit report it does not come with your credit scores. Your credit report only contains the derogatory items like late payments, charge offs, or bankruptcy.

Unlike your credit report, which you can get at no cost to you, you usually have to pay to check credit score. There are certain instances in which you are entitled to your credit score for free, for example if you are denied a loan on the basis of your credit score. 

The credit score is a three-digit number which determines your ability to pay off the loaned amount within the particular span of time. Hence, the money lenders before lending the financewill undergo process to check credit score. Each and every single patron of our firm will be receiving the credit scores within no time after placing a request. Every individual should be acknowledged with the complete details about the credit value, since there are many hidden factors that are being embeddedin your credit file which can greatly impact on your credit account.

There are a variety of credit scores you can purchase in the marketplace. The type of credit score most used by lenders is a FICO score, which you can purchase at www.myfico.com. Another score also used by lenders is the Vantage Score, which you can purchase through TransUnion. 

So how important is it to know your FICO score? If you're not about to apply for a loan, it's not essential. Employers may check your credit report, but they're highly unlikely to check your score. So if you want to check your credit score, the best thing to do is apply for a loan and if you get rejected, they’ll send you your credit score for free and check my credit score for free.

How long does it take to improve my credit score?

After hiring reputable Credit Repair Company, most of us are in hurry to know the results of our endeavors, but be patient. Good things don’t come easy and sometimes not in a silver platter or as we expected it would be. Results can vary considerably from person to person. The average is 6-12 months; however it does not guarantee how long your individual results will take. Even though tremendous successes are seen, it would be better to stay with the credit repair company longer to see constant change. It really depends on how many items need to be cleared, what type of derogatory item they are, how old they are, etc. Some clients take less time, where others may take more.Because sometimes the credit report agencies can be very stubborn. And remember, the bureaus and creditors prefer to concentrate on adding listings to credit files rather than removing them.

General Time-line:

Once an item(s) is disputed with the credit report agencies, the bureau and the creditor of information have 30 days to provide adequate verification of the item in question.

Legally the bureaus have business 30 days in which to send you either a new credit reports and scores or a letter stating what action they took. Often the corrected reports can take up to 3-8 weeks to arrive. As much as you would like to speed up the process, you are at the bureaus’ and creditors’ mercy and are forced to comply with their time frame. Remember that it took time to get these derogatory items on your credit report and it’s going to take time to get them off, sobe patient, and you will see results.

Your correspondence with the credit repair company after signing up is very important as to when they can start working on deleting the negative items on your credit report. As an individual who is seeking help with these companies must do your part as well to see satisfying results along the way.

What you need to know when buying a new house

While it’s a lot tougher and harder these days but it doesn’t mean you’d skip the thought of buying your own house. Well maybe for the first ten, twenty years while you’re still saving to buy that dream house you’ve seen in the movies or magazines or maybe a house that you’ve visited before and you started day dreaming wishing you’d own one. Whoa twenty years? No, it’s too long you are aware that prices go up overtime as everything just keeps getting expensive and harder to acquire. So here’s a little something I thought you might wanna give a second thought.
Of course there are many advantages if you have your own house than renting for the rest of your life. Think about it, if you’d only put that money in renting to pay for a housing loan that you need to pay at a lower price for a period of time in the end you’ll own the house rather than spending money on renting that can never be yours.
Here are tips on buying a house:

1. Know what you want and what you need then balance them

Your wants and needs are too different and don’t confuse yourself. Have a sketch of your dream house, determine the number of bedrooms and bathrooms, do you want to have a private garden, an off-street parking, detached or semi-detached. Be realistic with your wish list though, and identify what is an essential property that you need and what you would be willing to compromise on.
So if you’re deciding how big the house you need, know that you would probably be happy with less, especially if there are rooms in the home that could become multi-purpose. An unfinished basement or an attic could be turned into an office, for example, instead of needing another bedroom. But remember the bigger the house is the more you spent on maintenance so try to balance and think it over before deciding.

2. Know your budget and save for a down payment.

Owning your house own place comes with a lot of new expenses, so good money-management skills is very important. If you don’t have a household budget right now, start one. You need to know where you are financially, where your money is coming from and where it goes every month to know exactly how much you can afford to spend on a new home.
Buying a house is a long-term financial commitment, so you’ll need consistent cash flow to cover those monthly payments — not to mention the little extra expenses that come with homeownership and down payment.

3. Location

When deciding where you want to stay, I suggest you look for properties near schools. I don’t mean that you need to have kids to get a property near a school but what I am talking about is for future purposes just in case you wanted to sell your house maybe you got married or got relocated to an new office, selling the house would be easier not to mention the value of will also go up since new home owners with kids would always opt for a house near their kids school.

4. Get pre-approved

Getting pre-approved will you save yourself the grief of looking at houses you can’t afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

5. Hire a good agent and learn how to negotiate

A good buyer’s agent can be a great help in the home buying process. Just don’t leave things unattended do your own research so you know how much your agent should be helping, and don’t be afraid to push for more concessions if needed. Even if you enlist professionals to buy (or sell) your home, you still have to make sure they’re doing their job.
Good luck!

Creamy Leche Flan

Leche Flan is one of the famous desserts for Filipino homes and its easy to cook too. While there are many suggestions on the ingredients used and procedures like separating the egg yolks from the egg whites and use the egg yolks alone while wasting the egg whites. I cook a leche flan different from the traditional ways of doing it. Whats good about it is you don’t have to separate egg yolks from the egg whites because you will be using whole eggs, you'll be surprised how creamy and yummy your leche flan will be. Just follow the recipe.


 

Ingredients:

4 large eggs (if eggs are small make it (8) and (6) for medium sized eggs)
1 can condensed milk (same size/quantity sold here in Ph)
1 can evaporated milk (same size/quantity sold here in Ph)
1 tsp vanilla 1/2 cup sugar for caramelizing

Procedure:

1. In a medium heat place sugar in a non-stick pan and and allow it to melt , (you can also caramelize the sugar on an 8-inch pan) making sure not to burn the sugar as it will taste bitter. Once done transfer it to your molder or if you caramelize the sugar in the molder just remove it from heat and set aside.

2. Prepare the steamer or you can preheat the oven at 295 degrees. In a bowl combine eggs, milk and vanilla mix well making it homogenous. Strain the flan mixture 2x and finally strain once more using a cheese cloth or any clean cloth to make your flan homogeneous to your caramelize sugar and cover it with aluminum foil (don’t cover if you will be using an oven)

3. When the steamer is ready or already boiling place your flan mixture covered with aluminum foil and steam for 30-45 minutes on medium heat. If using oven, submerged the molder/pan uncovered into a larger pan with water about 1 inch up the sides of of the leche flan pan- aka water bath.

4. Steam for 30 minutes on medium heat (or bake for about 1 hr at 295 deg F). Its done if a toothpick inserted in the middle comes out clean or try wiggling it if it wiggles like a jello at the center then its done, if its still watery bake/steam once more.

5. Once done let it cool before removing from the molder/pan. Enjoy!

Preparing Black Sambo Dessert

Preparing Black Sambo Dessert 

Black Sambo is a two layered gelatin or you can prepare a four layered gelatin, made of creamy milk and chocolate, also called the Christmas Dessert because it is always present during Christmas. It's basically easy to cook and serve, you don't need any skill to cook it. 

So I decided to cook Black Sambo with the inspiration of some friends who really loved it when we went to a party where Black Sambo was served. Another reason why I wanted to cook it is that there were ingredients available in the house and will expire soon, I just bought the additional ingredients needed :).
So here is the recipe of the Black Sambo.

Black Sambo Recipe

Ingredients:

White layer:
1. 2 envelopes of Knox Gelatin (this time I wasn't able to find any Knox Gelatin so I used 1 box of Alsa Gulaman and divided the Gulaman for both the white and brown layer)
2. 1 pack (250ml) All Purpose Cream
3. 1 can (301ml) Condensed Milk
4. 1/2 cup cold water

Brown Layer:

1. 2 envelopes of Knox Gelatin (this time I wasn't able to find any Knox Gelatin so I used 1 box of Alsa Gulaman and divided the Gulaman for both the white and brown layer)

2. 1 can (378ml) Evaporated Milk
3. 1/2 cup Hershey's Cocoa Powder (again this time I wasn't able to find the Hersheys brand so I used Rich Baker's Cocoa Powder)
4. 3/4 cup Sugar
5. 1/2 cup cold water

Procedure:

White layer:

1. Dissolve the 2 packs of Knox Gelatin in a pot with 1/2 cup of cold water.
- For Alsa Gulaman, dissolve half of the Alsa Gulaman in a pot with 1/2 cup cold water.
2. Cook over low to medium heat until the gelatin dissolves.
3. Add 1 can of condensed milk to the gelatin while stirring constantly.
4. Cook for 5-10 minutes while stirring constantly.
5. Add 1 box of All Purpose Cream to the mixture and cook for another 3-5 minutes while constantly stirring.
6. Remove from heat and pour mixture in a mold, let it cool for 30 minutes then refrigerate for 2-4 hours until set.

Brown layer:

1. Dissolve the 2 packs of Knox Gelatin in a pot with 1/2 cup of cold water.
- For Alsa Gulaman, dissolve half of the Alsa Gulaman in a pot with 1/2 cup cold water.
2. Cook over low to medium heat until the gelatin dissolves.
3. In a separate bowl mix 1/2 cup of cocoa powder (Hershey's Cocoa Powder or Rich Cocoa Powder) and 3/4 cup of sugar.
4. Add the cocoa mixture to the gelatin while stirring to dissolve cocoa powder cook for 3-5minutes.
5. Add 1 can of evaporated milk and cook it for 5-10 minutes while constantly stirring.
6. Remove from heat and pour mixture on top of the white layer, let it cool for 30 minutes then refrigerate for 2-4 hours until set.
7. Once set, unmold by running a knife or spatula around the molding.
8. Garnish it with Hershey's chocolate syrup or ground peanuts to compliment the sweetness.
9. Serve and enjoy your Black Sambo dessert.

Try it yourself and tell us your experience.