LEGAL CREDIT REPAIR

Your credit score is very important. This is because it's the one that banks and credit card companies use to decide whether they will give you a loan. It's devastating to have a low credit score; however, there are some things that you can do to raise it.
Use the buddy system
This is a system where you ask your relative or friend to add you to his/her existing account. You should use this system if you don't have a card.
Although, this system plays a huge role in improving your credit score, you should be careful when choosing a buddy. To be on the safe side you should choose a buddy who you trust, is responsible and won't end up in huge debts.
To avoid future misunderstanding it's recommended that you put an agreement in writing stating the amount that you can spend and how you will share the bill with the cardholder.
Ensure that your credit utilization ratio is no more than 30%
Experts recommend that your credit utilization ratio should be less than 30%. This means that you should not buy everything using your credit card; you should use cash in most of your purchases.
When you make a lot of your purchases using your credit card, the credit card companies view you as a spendthrift and as a result avoid lending you money.
If you want to use your credit card a lot and you don't want to hurt your credit utilization rate you should make multiple account payments in each billing cycle. In addition to doing this you should ensure that you pay your debt as quickly as possible.
Strategically open accounts
To be on the safe side you should avoid applying for credit. This is because the more applications that you make the more points you lose which hurts your credit score.
Although, you should avoid opening accounts, you should consider opening a new credit card account if your credit limits are too low and you are not planning of reducing your spending.
Although, it's recommended that you open a new account in such a scenario, you should be cautious and ensure that you don't increase your spending beyond what you can afford.
Don't close any cards
When you close your credit card you hurt your credit score a lot which is usually very bad on your side. Instead of closing your card you should keep the card active and use it for recurring charges. For example, you can use the card in paying the utility bills.
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FOREX TRADING TIPS MADE E-Z

Trading Forex is something that is very likely to result in people giving you trading advice, either on the internet, on television, or from people in your daily life. Whether or not these tips should be considered sound trading advice is something you will have to take into consideration before or if you use them. Everyone wants to play the hero and tell you that they just "know" the EURUSD is going down or that they heard a great free Forex tip from someone who is in the know recently. Don't take anything at face value when it comes to Forex tips, do the research yourself, make sure everything checks out before acting on any Forex tip you might receive.
One thing that can certainly improve your ability to discern between quality Forex tips and those that are less than genuine, is getting good Forex trading education. If you are armed with a solid Forex education, you will have a much better idea of what successful trading is all about and which free Forex tips you should listen to and which you should ignore.
The problem that many traders face is that they start trading with no solid Forex training behind them, they then believe just about any Forex trading tip they hear. This can obviously cause a lot of confusion and emotional trading, which naturally results in much lost money in the market.
One very big factor in determining whether or not you should take any specific Forex tip are the qualifications of the source that you got the tip from. If you get a free Forex trading tip from a professional trader, who you are quite certain makes good money trading the market, you can probably rest assured their Forex trading tips made E-z are solid and worth listening to at least. If you read a Forex tip from someone you know nothing about, or from some website you know nothing about, you had better think twice before using this tip, because there is a good chance it is just a ploy to get you to buy something. Also, if someone or some website is telling you that you if you pay them a steep monthly fee they will give you quality Forex trading tips or advice, you should probably consider it a scam. There is a big difference between paying for quality Forex training and paying for simple trading tips. Most trading tips should be free Forex tips, as a tip is not really an in-depth or comprehensive Forex trading education, thus it really is not worth paying for.
Finally, the best Forex tips might be the ones that come from your own research and education, trading is a profession that requires much self reliance and self confidence. You cannot expect to rely on other people for quality Forex trading tips and think you will make a full-time living as a trader. You need to invest in your own Forex trading training and then you can learn to trust your own Forex market analysis.
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FOREX TRADING TIPS MADE E-Z