Get help, advice and information on all your Finance issues. http://advice-and.info/Finance/ways.htm Mon, 04 Aug 2008 15:35:57 GMT en The first difference between the legal system and the credit system is that in the legal system you are innocent until proven guilty. In the credit system, the exact opposite is true. In the credit system you are assumed to be guilty as soon as a creditor reports to the credit bureaus that you have been late on a payment or committed some other credit "crime". Once this has been reported, you immediately begin your punishment in the form of a decreased credit score. There is no investigation performed and there is no proof required. You are considered guilty the moment you are accused. At this point the argument could be made that when disputing an item on your credit reports, you are forcing the credit bureau and the creditor to prove your guilt but even this isnt completely accurate. When performing an investigation, the credit bureaus are basically asking the creditor if the negative listing should remain on your credit reports or if it was reported incorrectly. Note that the creditor is not asked to "prove" that the listing is accurate and all they have to do to appease the credit bureaus is to state that there was no error. If this happens, the negative item remains and you are still being punished even though your transgression is still merely an unproven accusation by your creditor. When an item is being reported inaccurately and confirmed by the reporting creditor (ie. the creditor's records are incorrect and this incorrect data is being used to confirm the negative listing), it is up to you to prove your innocence. Doing so may require a number of tactics available to you through various consumer protection statutes and will likely take a significant amount of time for you to understand and apply successfully. At the end of the day, proving your own innocence could be a difficult and time intensive task that you are forced into performing simply because you were falsely accused. This is why so many people have elected to receive help from a reputable credit repair company like Lexington La http://advice-and.info/Finance/87562_2_Ways_The_Credit_System_Is_Not_Like_The_Legal_System.html Wed, 04 Jun 2008 22:01:17 GMT Home insurance is absolutely necessary, whether you live in a two bedroom house that is all paid for or a huge mansion that you carry a 250,000 mortgage for. Of course, your home insurance rates for a small house are going to be lower than for a large house, but it doesnt matter what size or how much money you have left on your mortgage, there are plenty of ways to get cheap home insurance. You may not think that cheap home insurance is that great of a deal. Here, cheap means inexpensive, which means that you can use the money that you save for something else, like home repairs, upgrades, or even vacations away from your money pit. http://advice-and.info/Finance/83852_Easy_Ways_To_Lower_Your_Home_Insurance.html Thu, 03 Apr 2008 02:28:00 GMT Does the stock market intimidate you? Do you wish you could participate but dont know how to get started? Do you have a portfolio, but want to increase your returns? It is easier than you may think. Plan http://advice-and.info/Finance/83546_Do_You_Want_To_Make_More_Money_In_Your_Portfolio__Here_Are_Four_Easy_Ways_To_Increase_Your_Returns.html Sun, 30 Mar 2008 02:45:40 GMT If you have used a bank account for any length of time, then you have had at least some experience with banking fees. Many banking fees are entirely avoidable for those who take care and monitor their account usage. At the same time, there are other ways to avoid paying banking fees and keeping your money. You just have to know the ways around the fees and develop strategies for keeping outside of the typical policy conditions that lead to fees being charged in the first place. One of the major ways to save money on banking fees is to know how your bank operates in the first place and train yourself to manage your account accordingly. This, alone, can make a major difference in how many fees you will end up paying. It will also help you save money over throughout the year. http://advice-and.info/Finance/80829_Ways_To_Save_Money_On_Banking_Fees.html Fri, 07 Mar 2008 00:56:19 GMT Traditionally, homeowners have made the decision to take advantage of a home mortgage loan refinance in order to lower their interest rates. There is still a lot of value in doing so; however, homeowners have also learned that there are many other advantages to refinancing their homes as well. A home mortgage loan refinance is a viable solution for many homeowners in a variety of different circumstances. Not only can you save money by refinancing your mortgage, but you may also be able to find your way out of a difficult financial slump as well. http://advice-and.info/Finance/80573_Home_Mortgage_Loan_Refinance_Is_Beneficial_In_Numerous_Ways.html Fri, 07 Mar 2008 06:24:34 GMT Debt consolidation is viewed as one of the best ways to manage your debt more effectively. Find out the many reasons why in this article. Its not unusual for someone to incur debt. Even the richest do. After all, its not all the time that you have the immediate funds to settle certain financial obligations. Debts, in forms of loans, also allow you to purchase certain needs of your family, such as a home. http://advice-and.info/Finance/79184_4_Remarkable_Ways_Of_How_Debt_Consolidation_Can_Help_You.html Sat, 23 Feb 2008 00:54:37 GMT Frustrated with your mounting credit card debt? Thinking about filing for bankruptcy? Hold that thought! 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