“The Option Of Being A Student Or A Teacher” Lessons In Debt, Credit And Home Ownership

Education starts at the point you are willing to learn. Not all of us are at the same point at the same time, but it has become very evident in our present economy there is additional education needed to become better money managers. Without saying, most people prefer to have options, and now you have a choice of which you want to be, either a teacher of credit repair or a student !

There is education available to you for both. Education to learn how to raise your credit score, how to communicate with the three leading credit bureaus in the most affective manner. You can learn how to utilize your consumer rights more efficiently through the Fair Credit Reporting Act, and the Fair Debt Collection Practice Act.. Empowering yourself with knowledge will realign your thinking and habits to make better decisions. You have come to this article in search of solutions, and in the following paragraphs, hopefully you will discover a solution that is at the right point and right time for you.

Seemingly the credit score is a pivoting axle in which all things revolve around. Yet, what the world looks at as a foundation in credit decisions is riddled with defaults and errors ! Statistics show that approximately 79% of all credit reports have serious enough errors that credit can be denied, that is 8 out of 10 credit reports ! How exciting, now you can learn how to spot and prevent these costly errors.

What elements make up the credit score ? What actions bring negative reactions to the credit score ? And how to dispute the inaccurate information placed in your credit history effectively to raise your score ? The answers to these questions and more come from education of that particular segment of money management. You can learn for your personal use or to help others.

Visit: http://CreditJusticeServices.com/?ccc=1242 how an opportunity to learn and to earn is being offered to you in an industry that is on everyone’s mind. You can become trained as a certified credit counselor to answer these questions and help people. The higher the credit score the more money is saved because it accurately reflects their character and habits. Creditors look for trust worthiness, and a sense of responsibility. Your score reflects these traits.

Credit Justice Services ranks number four in the nation and takes the governing laws very serious. Their objective is to offer a program that is simple, effective, and totally transparent. On average the program raises a client’s score 50-100 points in 75 days working with a paralegal. This program is guaranteed to raise your score if you follow the guidelines structured for success.

Contact Spectrum Resources (863) 967-0660 or SpectrumResources@tampabay.rr.com
For over seven years, Spectrum Resources has provided personal counseling in debt, credit and home ownership issues with the mission to help people learn how to live inside their income. Spectrum Resources welcomes your tips, ideas, and opinions.

Please visit all of our blogs, each one with a different lesson:
http://SpectrumResources.wordpress.com and
http://MoneySavingTips.PolkVoice.com and
http://FinancialEducationAndOPtions.blogspot.com and our newest blog:
http://WomanToWomanMagazine.ning.com

"OCTOBER 17 = IDENTITY THEFT AWARENESS DAY ! " Lessons In Debt, Credit, And Home Ownership

Saturday, October 17 is IDENTITY THEFT AWARENESS DAY ! Identity Theft is the # 1 fraud complaint in American, reporting over 27.3 + million victims. It's also the fastest growing crime in America creating this tremendous need for awareness. As a designated ‘holiday’ celebrate by shreding all of your old financial and personal documents. This is not a “Hallmark” occasion, it’s declared a special day because consumers have become so complacent with their personal information. Here are some options that may be new to you.

Medical identity theft is growing in popularity. It’s not only very expensive to receive bills that someone else has run up, it is extremely dangerous. When other people use your medical history, the medical files are changed to match the thief’s medical history. The danger of course occurs when you experience an unexpected emergency, and become a patient. Your medical records which should show your blood type, allegories, physical aspects of your medical history, if stolen, will not match you.

You make a medical identity theft happy when you discard into the trash old medicine bottles without taking off the prescription labels. The paper sacks that pharmacies prints all your information on and puts your meds inside is usually thrown out in the trash too. Get into the habit of requesting a free report every four months from a different credit reporting bureau: Equifax, Trans Union and Experian. You can receive your free credit reports from http://www.annualcreditreport.com/ and monitor your history from this site also.

Spectrum Resources provides the services of Identity Theft Risk Management & Resolution Case Planning. The objective of a case planner is to reduce your risk of becoming a victim. First providing you with education of the many ways that thieves use to obtain your information. You also would receive expert prevention information and guidance clearly explained how to spot a scam, actions to protect yourself and how to minimize your risk on a daily basis. There are powerful, yet easy to use preventative tools that will prepare you to take immediate and decisive action at the first hint of trouble.

The average identity theft case takes 175 hours and many hundreds of dollars to resolve, serious cases can take longer. A case planner can save you significant time, money and frustration, and resolve your case and restore your good name quickly.

Spectrum Resources has the mission to help you learn how to live inside your income, even when you have other people attempting to steal from that income. In addition to being a Identity Theft Risk Management & Resolution Case Planner, Spectrum Resources also offers counseling in debt, credit and home ownership.

Call (863)967-0660 and email to: SpectrumResources@tampabay.rr.com

Visit all of our blogs, each one different: http://financialeducationandoptions.blogspot.com/ also visit
http://moneysavingtips.polkvoice.com/ & http://spectrumresources.wordpress.com/ and out newest blog: http://womantowomanmagazine.ning.com/

"Adding Your Two Cents" Lessons In Debt, Credit And Home Ownership

You have probably heard this old saying before, if not, ‘adding your two cents’ is simply giving your opinion, your views, your ideas, or sharing your experience. And that is what Spectrum Resources is looking for from you – for your to add your two cents to our blogs ! We will post on all four blogs the best submitted money saving tip, PLUS the winner will receive two hours of free counseling in issues of debt, credit or home ownership – PLUS a hand autographed book titled “Hey! Where’s My Money” authored by Janet Shore

The media gurus paint a beautiful rosy picture showing the world is healing, and it may on the top side. But on Main Street, the picture appears differently. It is a time of self evaluation, to re-think our sense of direction and perhaps re-prioritize our objectives.

E ach of us as individuals have something of value to contribute to our fellow man. Economically we have come to realize just how closely we are connected to each other. Everyone’s job depends upon someone else having a job, drawing a paycheck, and who can pass the money on to others. The economy depends upon that connection for money to keep moving.

Spectrum Resource’s mission is to provide education and resources on how to live INSIDE your income. To help us help others, we need your two cents. You are the one who lives on Main Street USA, the gurus on Wall Street live not only on a different street, I believe at times they must live on a different planet.

Survival entails understanding that only by sharing can we ALL grow. You are facing financial challenges everyday, and you have developed some tricks of the survival trade to maintain your head above water, we ask that you share with our readers your best money saving experience. It’s easy, on each of our four blogs shown below there is a ‘comment box’ to use. Don’t duplicate your money saving idea, each idea must be different. Please submit what has worked best for you to cut cost, overhead expenses, or to survive easier on less money and less stress. Please use it to help us help others.

The best judged money saving tip will be posted in all four blogs and you will have as an addition prize two hours of free consultation. Along with a personally autographed book titled “Hey ! Where’s My Money ?”by Janet Shore.

Call Spectrum Resources (863)967-0660 or email: SpectrumResources@tampabay.rr.com
Visit our blogs, each one with different lessons with debt, credit and home ownership tips:
http://financialeducationandoptions.blogspot.com/ and
http://spectrumresources.wordpress.com/ and
http://moneysavingtips.polkvoice.com/ and our newest
http://womantowomanmagazine.ning.com/
Your tax exempt donation is always appreciated to help with our educational fund, mail to:
S.R.D.C. 2014 Brentwood Dr. Auburndale, FL 33823

"Maximizing Your Greatest Asset" Lessons In Debt, Credit And Home Ownership

You may be wise to follow the bankers lead in assessing your strengths and weaknesses when faced with adversity. Now is the time to cut losses or dead weight and focus on what works best ! At this point, you are probably muttering to yourself about your income being cut and the fact that it feels as if everything on your back is dead weight.

Take a deep breath, it’s really not all that bad. Sit down at the table and make a list of not only all your physical assets such as your house, your car, boat, motorcycle, time share / condo, retreat cottage in the mountains, etc. . Also write down your personal attributes, your assets as a individual, yes, now is the time to look at what you excel in. Evaluate yourself from an employer's perspective. You are not your job, you are a human who has special abilities that brings life to a job. You know your strengths, so write down your talents, and your skills, also a list of things that make you happy such as a hobby or special interest. Now is the time to maximize YOU ! What makes you unique ?

You may not see the qualities that others see, ask a friend who is always honest with you to help. Big corporations use committees, boards, and other resources to evaluate their possibilities. Then they put together a marketing strategy to maximize on the most profitable option. You can do the same. First research online to see what professions, or categories would fit your talents, skills and special interest or you can tap a vast resource as well. The local state employment office will provide a free assessment of your interest, abilities, and match the professions best to utilize your skills, abilities and interest. You will probably have to ask for an evaluation test to be done. But can even tell you the salary range, and the likely employers in your chosen area to call upon.

Take a hint from the big corporations, remove the stress by downsizing the non-essentials in your life, cut out the frills exploring new ways to entertain yourself on less money. The objective just like in business, is to get yourself to the point where you can concentrate on your greatest asset = you ! Now may be the time to go back to school and expand on your natural talents and interest, or to expand on your years of experience in a field you still enjoy. By concentrating on the solution, you will see the opportunities that have opened up to you. Remember when one door closes, another opens. Look for the openings that can bring positive changes in your life.

Spectrum Resources counsels in debt, credit and home ownership. A support system that can help you see that there are always options. Call today: (863) 967-0660 or email SpectrumResources@tampabay.rr.com and please visit all our blogs, each one has different lessons to share with others: http://fiancialeducationandoptions.blogspot.com/ http://moneysavingtips.polkvoice.com/ & http://spectrumresources.wordpress.com/ also http://womantowomanmagazine.ning.com/ our newest. Visit our resource for credit repair or credit card modification program: http://CreditJusticeServices.com/?ccc=1242

"Can You Read It Now ?"

You maybe one of those people who once you pull your credit report all you know how to read is the three digit score. You are told to pull all three of your credit reports a minimum of once a year. Since identity theft is the fastest growing crime in America, it wouldn’t hurt to pull it every six months, but you still need to understand what you are reading.

Even though the three main credit bureaus are different, they basically provide the same data but format it differently. In this lesson, to help you familiarize yourself with some common terms used by all three.

Identifying the kind of credit reported:
R=Revolving ( this is your credit cards )
I= Installment ( this is your house, car, furniture loans )
M=Mortgage
O=Other ( this could be personal loans, non-traditional credit)

Now the very important indicator of your timely payment habits is the one digit number:
1= Paid on time ( Excellent ! )
2= 30 Days Late
3= 60 Days Late
4= 90 Days Late
5= 120Days Late
8= Voluntary (Bad )
9= Charge Off / Loss ( VERY Bad )

History is reported on the individual, not couples. If the debt is in one name, the history is reported as ( B = Individual Borrower ) or it may show as ( S= Signer ) . IF the debt is in two names, both signed an agreement to pay then you will see it as ( J = Joint Account)

Another very important indicator is the ‘DLA’ = Date Of Last Activity. This is the last time you made a payment on the account. ‘OPENED’ = The date the account was opened originally, and ‘LAST REPORTED’ is when the creditor last reported activity to the credit bureau.

To raise your credit score is disputing any inaccurate information that you see, including the indicators shown here. The law governing the credit bureaus is basically is they can’t prove it, they have to remove it. Credit Justice Services is one of Spectrum Resources as one of the nation’s top credit repair companies. If you decide not to repair your own credit and decide to seek professional help study the website: www.CreditJusticeServices.com/?ccc=1242 and their 75 Day Credit Makeover program. You will be working with a paralegal and a trained certified credit counselor. 390

Contact Spectrum Resources for personal counseling in debt, credit and home ownership issues
( 863) 967-0660 or email: SpectrumResources@tampabay.rr.com and please visit our blogs: http://spectrumresources.wordpress.com/ & http://womantowomanmagazine.ning.com/ & http://moneysavingtips.polkvoice.com/

"Start At The Beginning" Lessons In Debt, Credit And Home Ownership

You have become ever so aware of your need to either add to your income or delete some of your expenses. You have become also aware of all the money manager gurus on talk shows and evening news with the helpful hints, but you still don’t know how to get started making changes in your own personal money management.

When you don’t know, then it is time to start at the beginning with education. Seek professional help from a trained and skilled counselor who can provide the education, resources and options you need. It is the smart thing to do. In today’s economic crises, the changes are continuous and harder for the average person to stay knowledgeable. It takes someone who is in the credit, debt and home ownership industry who stays plugged into the industry to be truly beneficial to you.

You could learn in personal money management classes the basics in budget development covering your perceived values make a difference, the process in structuring a personal spending plan and educating you on how you can make better choices between wants and needs.

Your education in personal money management classes should include how to track your spending, recognizing the kinds of expenses, the logic behind the different kinds of savings, and a process of how to get out of debt and raising your score at the same time.

Your skills learned through personal money management classes should empower you to recognize the different kinds of credit, the true cost involved, the methods used to calculate the charges, and the importance of ratios and how to use them as tools to keep you on track.

Your consumer rights should be covered in personal money management classes so you can exercise them to lessen stress, and deal more efficiently and effectively with your creditors.

Your life is made of up different episodes and with each one, you actually do start at the beginning, a place where you grow learning the differences. Spectrum Resources understands your need to learn and has been counseling and teaching individuals for seven years who are facing the same challenges.

Call Spectrum Resources (863) 9 6 7 – 0 6 6 0 to register for our next class,
Or email:SpectrumResources@tampabay.rr.com
for more lessons visit our other blogs:
http://womantowomanmagazine.ning.com/ & http://moneysavingtips.polkvoice.com/
http://spectrumresources.wordpress.com/ come back here often, refer others to our blogs.
If you enjoy our blogs please send your tax exempt donation to: SRDC 2014 Brentwood Dr. Auburndale, Fl. 33823 to help us continue to help others through financial literacy.

"Looking Good During The Bad Times" Lessons In Debt, Credit And Home Ownership

"Looking Good During The Bad Times” is not a lesson in fashion, but one about making the most of what you have in regards to your largest investment – your home ! Your home may have dropped in value like your neighbors, but it doesn’t have to look like it. IF you have found more time on your hands due to employment cut backs, take advantage of the time. Structure a “To Do List”, every home owner should have one of these stuck on the refrigerator even during the best of times.

You’ve probably heard your Granny say, “No matter how broke you become, you can always be clean.” Old wives tales do hold a bit of wisdom in them. The fact remains, clean, shiny and pretty is better than dirty, ugly and unwanted. If you are facing any kind of financial crises at all, you must protect your largest asset. If any equity is to be realized, more will come from your home looking good than neglected and dirty.

It’s called ‘ROI’=Return On Investment. You can experience in the worse of times a positive ROI in your home by taking little actions that can produce big reactions and
profitability. Increase the curb appeal on your home by removing outside clutter. Sweep the walks and driveway. Cut grass and trim out dead wood in trees and bushes. Pressure wash your shutters, window sashes, and trim. Put a fresh coat of paint on the front door and perhaps a shiny new kick plate at the bottom. Clean the light fixture of birds nest and cobwebs.

Next walk through your home. Really look at it as if you were to buy it today. The stained flooring, the soiled wall paper, chipped paint, hand prints on the cabinets, broken tiles, hardware loose, uneven and cluttered pictures or wall hangings and all waiting to be put your ‘To Do List”. The biggest challenge is eliminating clutter. If you can’t bring yourself to make all of those tiny decisions, call in your toughest friend and give the ‘OK’ to be strong for you. The point of this lesson is to maximize what you have in time, and assets. You will feel good about your ‘ROI’ while making your house a more comfortable home. Clean is good and it’s affordable !

Spectrum Resources provides counseling in daily money management, providing education, resources and options to those seeking financial self sufficiency. Debt, credit and home ownership issues always comes back to you setting priorities that make a positive difference in your life. Only you can make the decisions which truly make a difference.

Please leave your comments and questions, your input is important to us.

Call ( 863) 967-0660 or email: SpectrumResources@tampabay.rr.com and visit our sister blogs: http://moneysavingtips.polkvoice.com/ and a new one http://womantowomanmagazine.ning.com/ and http://spectrumresources.wordpress.com/