Should I Pay Charged Off Accounts

In this video, we will determine if you should pay charged-off accounts.

Ok, let's get started.

Your credit score will be affected if you make late payments or miss payments entirely. Your creditor could charge you for late payments. Don't think it will go away if your bad debt gets charged to you.

Charged-off debts can result in harassing calls from home or work, wage garnishment, and major credit score drops. You can get your credit score back on track by understanding what being "charged off" as bad debt means.

What exactly is a Charge-Off?

When you fail to make the minimum payments on a debt over a period of time, a charge-off is when your creditor declares it a bad loan. It basically means that the creditor has lost all hope of you repaying the loan and is now considering the debt as a loss in their profit-and-loss statements. Your account is closed by the creditor. This could include a credit card, personal loan, or credit card. If you fail to repay as promised it will be charged as bad debt.

After the creditor has written off your debt they will either transfer or sell your account to a collection agency or debt buyer. Your credit rating will be severely damaged by the time you have your account charged as bad debt. Bad debt charges can be one of the most damaging items on your credit score. They can also have a lasting effect on your credit scores for many years.

Is it possible to be charged and then have your debt paid?

Your debt may not be forgiven if you are charged off. Do not be deceived into thinking that the creditor has discharged your debt. You are legally responsible to repay the entire amount owed as long as you have not paid your charge-off.

A company can still pursue collection even if it writes off the debt as a loss. You could be sued in court to collect the debt and garnish your wages. You are still responsible to repay the debt unless you agree to settle or file certain forms of bankruptcy.

What time will it take for a charge-off to occur?

Charge-offs are usually only possible if your payments are extremely late. Creditors first remind you about your past-due bill when you begin missing payments. They will then move to collections if that does not work. Creditors are required to charge off the debt within 180 days. However, they can also charge installment loans after 120 days.

Your account may still be considered a bad loan if you make fewer monthly payments than what is required. To avoid your account being charged, you must keep it current. Your creditor will send a negative report about your account to at least one credit bureau after your debt has been paid. The creditor may try to collect the debt by either sending the account to third-party collectors or selling it to buyers.

What does bad debt being charged off affect credit reports?

Because they are caused by late payments, charge-offs can affect credit reports. Fico research shows that even one late payment can have a significant impact on your credit score. It can cause a drop in your credit score of up to 100 points even if you make late payments on small accounts. This can lead to a three-year recovery process.

A charge-off is a result of missing payments. Both the late payment and charge-off are listed on your credit reports. A single charge-off can significantly lower your credit score, even if you have good credit. Your payment history can have a significant impact on credit scores. This is because 35% of your credit score is determined from late or delinquent repayments. Lower credit scores can lead to higher insurance rates, greater housing, and utility deposits, and increased interest rates.

What length of time does a charge-off debt remain on your credit reports?

A charged-off credit card debt, just like late payments stays on your credit reports for seven years. If the debt is purchased by a collection agency or buyer, the seven-year clock begins on the day of your last missed payment. The charge-off amount will remain on your credit reports even if you pay it. The status of your account is changed to "charged off paid" or "charged off settled". This remains on credit until the end of the seven-year period, when it will automatically be removed from your credit reports.

What can you do to remove an unpaid charge from your credit score?

Contact the creditor who originally charged you to get the charge off removed from your credit reports before it expires for the seven-year period. A large amount of cash is better for your chances of succeeding. Be realistic about how much and when you are able to pay before you contact them. You have greater leverage to remove the charge from your credit reports if you are able to pay it in full immediately. However, you may also be able to ask them if payment arrangements can be made.

The agency cannot remove the bad credit mark from your credit reports if the account was already sent to third-party collection agencies. To remove the charge from your credit report, you must contact the original creditor. The person who speaks to you must be authorized to do so. When speaking with creditors, be polite and professional and don't give any excuses as to why you haven't paid. Always get written confirmation if the creditor accepts the removal of the charge-off.

How can you handle a charge-off situation?

If you are charged with debt, the best option is to settle it and pay off the entire amount. Your credit report will show "charged off paid" if you are unable to convince your original creditor to take the charge-off off your credit reports. This indicates that you want to solve the problem. To pay off the debt faster, you can create a budget if it isn't possible to do so. To improve your credit score, pay your other debts each month.

What can you do to avoid being charged?

To avoid any bad debts being charged to your accounts, take preventive steps. It is more difficult to catch up if you fall behind in your payments. Maintain positive financial habits and don't live beyond your means. Automating your finances can help you avoid missing any payments that could lead to you being charged.

Contact your creditor immediately if you have any doubts about your ability to make your payments. Many companies will work with you to arrange payment plans that avoid charges, particularly if the company believes they will not be paid. Some creditors will offer hardship payments plans that allow you to temporarily pay lower monthly bills if you are in serious financial difficulties.

Get control of your debt

Avoid situations that could lead to a charge being added to your credit score as bad debts. Never allow payments to be late and ensure that you pay all accounts in accordance with the agreement. You are still responsible to pay off any debt, even after it has been charged off. This may mean that you have to make payments to third-party collectors or buyers of debt instead of the original creditor. A charge-off will affect your credit score. However, you can improve it by making payments on time and paying any outstanding debts.

There are many debt management programs available to help you get out of debt. You can also check your credit reports from each of the three main credit bureaus free every year, to ensure that everything is correct and that all payments have been recorded.

That's all for this video thanks for watching.

For a free moving quote from our awesome team click the link in the description.

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How To Pack Clothes For Moving

Are you looking for the best way to pack clothes to move? We can help. We can help, no matter how small your closet is. Each item needs its own packing strategy, from delicate items and hanging clothes to shoes, hats, and accessories. Here's our guide on packing clothes for moving. This step-by-step guide will show you how to pack your clothes for moving. Keep reading for tips on how to pack the best way.

Before packing your clothes

Evaluate your closet before you start packing clothes for the move. Look at all your clothes, shoes, bags, and accessories. What items are worth packing? And what items do you not need or want anymore? To get a complete look at your closet, hang all your clothes on hangers. Place folded clothes from drawers on your bed. This will help you see what you really have.

It is up to you to decide what to keep, which to donate, and what to get rid of. It's time for you to take a hard look at everything in your closet and divide it into three piles: Keep, Donate, and Sell. We recommend asking several questions to help you decide which items to keep and which to donate. Is the item still fashionable? Is the item comfortable? Is the item still in good shape? If you get a no to all of these questions, place the article in the donate pile or sell pile.

Donate gently used closet items - Now is the time to purge your closet. Start by donating all of your gently-used clothes, shoes, and accessories to Goodwill or Salvation Army. Are you unable to fit a large pile in your car? These charities often offer free pick-ups. Don't forget to get a receipt for tax-deductible donations if you donate household goods.

You can sell closet items that are trendy or new - Want to make some extra cash on your clothes? You can sell them online, host a yard sale, or drop them off at a consignment shop. Poshmark and ThredUP are some of the most popular online marketplaces for closet items. A yard sale is another way to sell used clothing and household goods. This yard sale checklist will help you plan one in your area. Consignment shops are another option to sell your clothes. Consignment shops handle everything, from pricing an item to selling it. Remember, however, that consignment stores also share in the profit.

You can store sentimental clothes in your closet. You can store them in a self storage unit. Some closet items are too valuable to be donated or sold, including your wedding dress and vintage pieces. You might not wear them every day, but you still want to keep them. To find a climate-controlled, safe storage unit near you, use com's Storage Centre to get quotes from nearby storage units.

Dry-clean or wash clothes - Before you fold and hang your clothes, it is a good idea to wash everything thoroughly. You will end up with a bunch of stinky clothes if you pack dirty clothes with clean ones. You can also expect mildew problems if your clothes are damp. This will help prevent clothes from getting damp when you pack them.

Tip: Before you pack, learn how to reduce your load.

Moving supplies and clothing packing

Moving clothes starts with purging your closet of all unnecessary and unused clothing. Once you have decided which items you want to keep, it is time to think about how you will move them. Start prepping for your move by gathering the necessary closet moving supplies. These are the essential items that you need to pack clothes for a move.

Cardboard boxes – These cardboard boxes can be used to pack folded clothing. These boxes can be found almost anywhere. There are many options for cardboard boxes, from online shops and marketplaces to large box stores and local recycling centres. Find out where you can find free cardboard boxes by clicking here.

Wardrobe boxes – Wardrobe boxes are great for packing clothes that hang on hangers or items that wrinkle easily. These special moving boxes are available on Amazon.com or in Lowe's shops.

Suitcases – Suitcases can be used to fold clothes, shoes, and other items. They are a cost-effective, easy way to transport folded clothing. We recommend that you use your suitcases if you have them.

Duffel bags – Do you have duffel bags? These bags can be used to store folded clothes and shoes. Duffel bags can be used to transport clothes, but you should roll them.

Compression bags or vacuum bags - These reusable storage bag are great for condensing clothing and protecting it from the elements. Target and Walmart sell vacuum and compression bags.

You may also need to pack and move clothing items using other moving supplies such as garment bags, packing paper and packing bins.

These are five additional packing tips and methods that can be used to prepare for a move.

Hang your clothes on hangers

Fold your clothes and keep them in drawers of the dresser

Packing paper is used to line cardboard boxes and suitcases.

Repurpose old shoeboxes

Plastic baggies protect jewelry

How to sort your clothes

Once you have gathered all your moving supplies and planned out your packing strategies, you can start sorting through the clothes that you are going to be moving. It's a great way to organize your closets and keep it organized throughout the move. These are the four categories you should use as you sort through your clothes.

Sort clothes by material - Do you prefer to sort clothes by material? You can also divide them into different material categories. Examples include cotton items, silk items, linen items, denim items, wool items, cashmere items, etc. This will make laundry much more simple in the future.

Sort clothes according to season - This not only helps you keep organized during a move, but it also prevents clutter and other problems from occurring afterward. If you are moving in winter, for example, you will only need to unpack warm-weather clothes. You can store your summer, spring and autumn clothing in boxes or in a storage container. This will ensure that your closet is clutter-free for the future.

Sort by pieces - Do you prefer to pack each item? Sort your closet by pieces. This means that you pack pants with pants, shirts and shirts with shirts, and shorts with shorts. This will help you find the right clothing pieces, and make unpacking easier.

Separate everything for each person. It is important that everyone has their own closet. Everyone in the family should have their very own box and supplies. It will be easier for everyone to pack and unpack by sorting by person.

How to fold clothes that are not hanging

After you have sorted your clothes, you can begin the folding process for any non-hanging clothing. This means that clothing that isn’t being moved on a hanger must be folded neatly and placed in a suitcase or moving box. There are many folding options available when packing clothes for moving. Some are more efficient than others. However, you can choose how to fold your clothes. These are three helpful ways to fold your clothes.

Flat fold - The flat fold is without a doubt the most traditional and simple way to fold clothes when moving. Flat fold a shirt by placing it flat on the ground. Place one side of the shirt on the floor, fold the sleeves in toward the middle, then lay the shirt down. Smoothen out any wrinkles. Repeat the process on the opposite side. After both sides are folded in, fold the lower half of the shirt upwards. Smoothen out wrinkles. Begin by folding your pants with one leg in front of the other. Fold in thirds, smoothening wrinkles.

The military rolling method - This is the most common way to move clothes. The army rolling method maximizes the space inside your boxes and prevents wrinkles from occurring during transit. First, lay a shirt flat on a smooth surface to roll it. Flip the shirt inside-out by removing the last few inches. Next, fold your sleeves inwards. Finally, lay them on top of the shirt. Fold the shirt in half so that the middle touches. Fold the second half of the shirt over the first. Then, start at the top and roll it as tight as you can. After the shirt has been rolled up you'll see a pouch at its bottom. This is where you turned the shirt inside-out. Fold that pouch over the rolled-up shirt. It will hold everything together during the move. You can also roll the item as loosely as you like and place it in a bag or box.

The best way to store clothes in cardboard boxes

You might consider using cardboard boxes to move your clothes. We don't blame you. You can move all your household goods in cardboard boxes, which are affordable and easy to find. These boxes can be found at local libraries, big box stores, big box stores, and Craigslist. Don't forget to pack your cardboard boxes carefully. These six steps will help you pack clothes in cardboard boxes.

First, ensure you have the correct size box. We recommend small to medium-sized cardboard boxes. This will keep you from stuffing the boxes with too much clothing. It will also prevent your clothes from falling out during transit. Moving your load will be easier if you use small- to medium-sized boxes.

You should ensure that the cardboard box is properly assembled and sealed with packing tape. You might consider selling the cardboard box if it is damaged or crushed.

Line the cardboard box's interior with plastic wrap or packing paper. This will protect your clothes from water damage and general wear-and tear during the move.

Use one of the methods above to fold clothes. Flat folding cardboard boxes will allow you to unpack your boxes faster.

After the clothes are folded, place them inside. Cover the top layer with packing paper.

Secure the box with tape. Use a Sharpie marker or a colored post-it note to label the box. It will be easy to find once you arrive at your new place.

How to pack clothes into wardrobe boxes

Are you looking for a wrinkle-free and easy way to transport hanging clothes? Wardrobe boxes are the best option. These cardboard boxes can be used to hang dresses, skirts and other clothes while you move. These closets are portable and small in size, measuring 2 feet wide by 3 feet long. The boxes come with a metal hanger bar that can be used to hang clothes. These boxes are more expensive than the average box, but they're worth it for high-end clothing transport. Here is a quick guide on how to make a wardrobe box.

First, place the wardrobe box on its bottom. Then fold the shorter flaps first. Next, fold the larger flaps. Packing tape can be used to secure the cardboard flaps.

Flip the box upside down so that the bottom is on the ground and the top flaps open.

The cutouts at the top of the box will hold the ends of your hanger bar. These cutouts should be easy to fit the hanger bar.

Once the hanger bars are secured to the wardrobe box, you can start hanging clothes in the wardrobe box. Each hanger bar should hold eight pieces of clothing.

After you have finished hanging your clothes in the box, close the longer flaps at the top. These pieces should be cut in the middle.

Next, bend the edges of the shorter flaps (these should be removed) downward. These flaps should be closed on top of the box. The bend pieces should fit perfectly in the middle. Packing tape is used to secure the final top piece.

New Innovative Food Hall from Savona Restaurant

KING OF PRUSSIA, PA (January 11, 2022) – Pure Roots Provisions (411 Swedeland Road, 484-222-2288) is a new innovative hybrid food hall started by managing partners Chef Andrew Masciangelo and Yohann Zinier of Savona Restaurant. The concept is to have seven different restaurants cooking under one roof. This is an all-in-one solution that allows customers to get exactly what they are craving without ever leaving the comfort of their own home or office, and also bring value, quality and convenience to the table. The hybrid food hall is currently open Monday-Saturday from 11am-8pm for curbside pickup and contact-free delivery. But, will be open will be open 7 days, from 8am - 8pm in the coming months. Every dish is made fresh to order, then delivered by their own professional delivery team. The delivery radius is currently five miles from their location, which includes parts of Conshohocken, King of Prussia, Bryn Mawr, Villanova and Wayne. The delivery radius will expand once local road construction wraps up this spring.  

 

Pure Roots Provisions was started to solve the many issues that come with ordering food for a family or office. Yohann Zinier father of two and Andrew Masciangelo father of five, have faced issues with finding takeout options that are not only healthy, but also have enough variety to satisfy the whole family. They also found that this is a common issue for big companies when ordering a corporate catered lunch for everyone. What makes Pure Roots different from a Ghost Kitchen is they have all their own chefs, and they operate all seven restaurants within one kitchen. The chefs create freshly made dishes for each order, to guarantee restaurant quality food in the comfort of your home. Their dine-in concept is coming in late summer/early fall 2022. 

 

"We believe that the greatest meals of the world are made in a language that we can all understand,” explains chef/partner Andrew Masciangelo. That’s why we’ve made it our specialty to provide classic dishes from a whole world of cuisines, because we believe that food is the greatest unifier we have.” 

 

Pure Roots Provisions strives to use the best vendors and food distributors. They work with local vendors, such as Tlush Family Farms in Plymouth Meeting, R.L. Irwin Mushroom Company in Kennett Square, and Rothrock Hives in Huntingdon, PA. They also source their meat and seafood from some of the leading distributors in the area, Samuels & Sons and Metropolitan Meat. Their focus is to bring the freshest ingredients possible in order to provide their customers with meals they will want to feed their families. 

 

"Our goal is to build a community and provide a one-stop shop for all of your culinary needs," adds managing partner Yohann Zinier. "We believe our community needs a reliable place to get fresh meals delivered. Unlike delivery apps, we are the whole process. Our menus are cooked by our chefs and delivered by our drivers. With Pure Roots you are guaranteed restaurant quality food in the comfort of your own home.” 

 

There are many options to accommodate all dietary restrictions and allergies. Each item on the menu denotes what is safe for many common allergens. If there is something on the menu that does not accommodate your needs, please ask. Their chefs are willing to customize any dish, if possible. 

 

Their drivers are equipped to provide temperature regulated deliveries, so that your order arrives hot and fresh. Having their in-house drivers allows customers to track their order and communicate with the driver if there are any issues. It also allows them to enjoy a range of items while only paying one delivery fee ($3.99) and one tip, since the collective order comes from one place. With Pure Roots Provisions, the driver brings everything to you at once. No more waiting for food to arrive from different restaurants. 

  

Pure Roots Provisions Restaurants 

Hook’d 

Get hooked on Hook’d! Hook’d is their twist on traditional Japanese and Hawaiian cuisine. Serving fresh sushi, savory sides, and perfectly composed poke bowls.  

  

Upstate 

Upstate focuses on American classics from simple burgers to creative wings. We have 6 different burgers and 7 classic and unique wing sauces.  

Upstate is fully customizable whether you like your burger with no cheese or extra pickles, they got you covered!  

  

Grazia 

Grazia is a take on traditional Italian cuisine. Grazia provides handmade pastas and composed dishes.  

Not only do they provide signature pasta dishes, but they also have a pasta bar! The pasta bar allows you to choose your own pasta, sauce, and protein.  

  

Wonderleaf 

Wonderleaf strives to provide healthy yet satisfying salads. Try one of their composed salads such as their Kale and Classic Caesar, or even create your own!  

  

Sparq 

Did someone say BBQ? At Sparq no matter what time of the year you can always enjoy all of the best barbecue.  

Sparq celebrates southern cuisine with brisket, ribs, and endless sauces to choose from.  

  

Breadbox 

Breadbox is all about the bread! Offering sandwiches, family meals, and even flatbreads. Breadbox has anything and everything for lunch or dinner.  

Enjoy classic sandwiches, home cooked composed plates, and crispy flatbreads.  

  

Sunup 

At Sun-up they aim to provide a healthy breakfast that will keep you energized throughout the whole day.  

Start your day right with fluffy pancakes or even a savory egg frittata.  

  

Catering 

Pure Roots Catering provides made-to order meals delivered straight to your office or event. With 7 restaurants, there will be no arguing over what cuisine you want!  

Their catering service can accommodate large or small groups, and they will deliver everything right onsite for an easy setup experience. 

  

  

About Pure Roots Provisions 

Pure Roots Provisions is an innovative food hall with seven restaurants under one roof, offering everything from breakfast to BBQ, salads to sushi, and burgers to bolognese. They provide curbside pickup and contact-free delivery within five miles of their location. Pure Roots is located in the Discovery Labs building in King of Prussia, PA. This location provides a space big enough to support seven restaurants in one kitchen, and is also a centrally located between Conshohocken, Bryn Mawr, Wayne, and King of Prussia allowing them to deliver to many communities, while keeping orders hot and fresh. 

"Grace" Healing Sound Bath Meditation Music by Matthew Kocel

Our ancient ancestors understood that everything in the universe is essentially vibration.

It is no coincidence that ancient healers and medicine people would use sound and music to help us heal our bodies, deepen our relationship with nature and communicate with the spiritual realm.

This melody came to Matthew Kocel after 6 years of trial and struggle came to resolution and he was finally accepted as a legal permanent resident of Canada.

When Matthew and his (Canadian) wife took a day to explore and celebrate, this melody began to play in his head, over and over.

He says this is how most of his songs come to him.

Sometimes simplicity displays the most eloquence in our world.

https://youtu.be/gbqoL1nWHQo

No artificial sounds were used in this recording... It is 100% organic.

"Grace" was created entirely with Matthew's voice and one acoustic instrument - harmonium.

Close your eyes, take some slow, deep breaths and let this healing meditation music carry you to your deepest sanctuary of peace.

Wishing you grace. Grace for humanity.

Grace for the sacred web of life on planet Earth.

"Grace" is the title song to Matthew Kocel's last album. It is available for download as well as his first album "The Vision" at https://OmShaman.com/shop

Cat Behaviour, Intelligence And Memory Of Cats, Cat Training

It is only natural that when you take your new kitten home, it may feel lost and disorientated. Cat experts say this is because he has this inherent urge to hunt their own food. The second subunit includes axial skeleton, which contains cranium, ribs, spine, and sternum. Secondly, the bones work as levers to execute the muscular action. Sphynx cats are still rare and as such the demand for them is high and the supply is low, leading to high prices compared to other cat breeds

Owning a cat can be a very gratifying experience especially if you've done your homework and understand the tasks involved in having one as a pet. It will meow in search of her mother, hide in tiny places, refuse to eat and in general be sad. Since there are so many causes for excessive meowing in cats, it seems that no one solution to the problem will apply to all. The other major reason that does not make cats bed bugs' primary mode of transportation is that even if bed bugs lived on the host, they prefer humans over cats and dogs anyway

You've heard the old saying that "a cat always lands on its feet," but have you ever wondered how they do it? A cat that's falling will always start by rotating its head to face forwards; then, it will twist its back to orient its spine upwards and align its legs accordingly. Be sure that he/she has fresh water available and you might want to leave a small amount of dry food out for him/her during the day. Many pet owners have already learned that their pets love to have their meals heated up in the cold weather; the same pets could easily enjoy their dinners coming out of the fridge just like you do. When it comes to food, they aren't all that different than people

Some people, however may have a hard time knowing what their cats want from them, or their cat may be an excessive meower. It is also an option for you to adopt a mature cat from your nearest animal shelter. Don't walk up and try to pet it

The camel and the giraffe are the only other four-legged animals in the world that walk this way. Moreover, the term tomcat has very interesting etymology. Perhaps, this word also has much to do with the imitative reference to meowing of the cats

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How To Get Hard Inquiries Removed

You Can Remove Credit Inquiries from Your Credit Report. If you have ever requested a loan or credit card, it is likely that you were the subject of a credit inquiry. The lender will usually request financial information when you apply for credit, or borrow funds. Credit inquiries are the most common way to do this. Too many credit inquiries can lead to a negative credit report. It's crucial to understand how credit inquiries work and what you can do to get rid of inaccurate or unauthorized inquiries. What is a Credit Inquiry? Credit inquiries are when banks, lenders, and other financial institutions review your credit reports before offering credit cards or loans to you. Other situations where credit inquiries may be required include A bank, lender, or other credit-issuing institution reviewing your credit report before you are approved for an apartment lease; a landlord, property management, or cell phone company looking at your credit history before you are offered a contract. A potential employer who is interested in your credit status before offering you employment. Hot Tip. While you might need to approve credit checks, you do not have to. Advertisement There are many types of credit inquiries. Hard credit inquiries can play a major role in the credit underwriting process. However, soft credit inquiries are used more often for marketing purposes than they are during the loan approval or credit application process. Because some inquiries could have a negative impact on your credit score and credit report, it's crucial to know the difference between soft and hard credit inquiries. Hard Credit Inquiries. A hard credit inquiry, also known as "hard pull", is when an entity or company has a business reason to investigate your credit. The lender or creditor will want to know if you are reliable enough to pay back the money. The lender will receive a credit report that includes information about your credit history and other details such as what credit you have (mortgages and auto loans) and how much you owe. Hard credit inquiries are common among creditors and lenders. There are many entities and organizations that can check your credit history before approving a transaction.  Credit Soft inquiries are often used by creditors to market to prospective customers. A credit card company might send an offer to people with certain credit characteristics. For instance, they may wish to target customers who have a high credit score or a specific threshold. Soft credit inquiries may be used by credit aggregating companies to assist borrowers in finding a loan. Soft credit inquiries are typically required by these platforms. You may have to provide soft credit information to a lender or creditor in order for them not only to verify your identity but also verify your credit history. Soft credit inquiries include checking your credit reports and credit scores. You can check your credit score and report free of charge by using Credit Karma, Credit Sesame, or Credit Sesame. Consumers will receive their credit reports free of charge from Equifax, Experian, and TransUnion, once a year. If you go to annualcreditreport.com.the free report will be there. Tip: A soft credit inquiry can be obtained without authorization.Inquiries of this kind won't affect your credit score, even though they will appear on your credit reports. Comparing Hard and Soft Credit Inquiries. While creditors can pull your credit reports and report to determine whether you are in good standing, they have key differences. A hard credit inquiry may contain different information than a soft credit inquiry. A creditor or another entity conducting a soft credit inquiry for marketing or promotional purposes may only have access to a portion of your report. A hard credit inquiry is required to obtain your complete credit file. Hard credit inquiries may also have negative effects on credit scores by decreasing your score. Soft inquiries can still be noted on credit reports, but they do not lower credit scores or show up on credit reports. A lender or creditor must have your permission before they can conduct hard inquiries. You can usually dispute a hard credit inquiry that was done without you knowing or consenting. How Credit inquiries can hurt your credit score Credit inquiries could have a negative impact on your credit report. A hard credit inquiry, for example, could have a negative impact on your credit report and can even lower your credit score. Because borrowers who recently applied for new loans or additional credit may be considered more likely to default on their loan, this is due to the fact that they are often seen as higher-risk borrowers. If you have large credit card balances or loans, this is especially true. Hot Tip: Hard credit inquiries will not be removed from your credit reports for more than 2 years. Negative information can remain on credit reports for as long as 7-10 years in some cases. It would be best to use yourself as a cosigner for a loan application or credit request of another individual. Your credit score and credit history could be negatively affected in this situation. Because you accept full responsibility for any borrowers who fail to repay the loan funds, as co-signers, this is possible. Application form for a loan. However, being a cosigner can have a negative impact on your credit rating and credit history.  The information regarding the loan/account will show up in both your credit reports. It is important that you verify the financial responsibility of your cosigner and ensure they make their payments in a timely manner. Is it possible to remove inquiries from your credit report? Credit inquiries, when compared with other factors that can impact your credit score (such as missed or late payments), are not the most important to be removed. There are still good reasons to dispute and eventually remove a credit inquiry. If you do not recognize credit inquiries on your credit reports, it could be a sign that you have been the victim of identity theft. It would be important in this instance to have the information deleted, particularly if it has a negative effect on your credit score. Be aware that you cannot dispute hard credit inquiries made without your consent. If you have submitted a credit application and it has been listed on your credit report, then you won't likely be able to remove that credit inquiry. There are two options for disputing an item. You can send a letter by certified mail to your creditor to address the dispute directly. Point out which inquiries (or questions) you did not authorize in your letter. Then ask that they be deleted. Contact the three major credit bureaus in which the inquiry was found. It is possible for a specific inquiry to show up only on one or two of your credit reports, as not all creditors and lenders report the same information. Ensure that you keep copies of all correspondence and supporting documentation you sent to creditors and credit bureaus in any event. You will need specific information when you submit a dispute regarding your credit report. This credit inquiry letter template can help you to organize all correspondence with a particular creditor.

Re: Unauthorized Credit Investigation Dear Sir/Madam (or the name and address of an individual, if it is known): Recently I obtained a copy of my credit report.

. Your company made a credit inquiry. The following inquiry was not authorized and I wish to dispute this inquiry. This inquiry is having a negative effect on my ability to obtain credit and loan applications and I would like it removed from my credit file. I have posted this letter by certified mail and I require your immediate attention. I would appreciate any documentation you have regarding the cancellation of your credit inquiry. If you discover that I have not given authorization for this credit inquiry and I'm wrong, please send me documentation. We appreciate your prompt help. Sincerely,

You can also include a copy of the page on your credit report where the incorrect/unauthorized inquiry shows up. These documents can be used as proof in your dispute. You can also prevent an unauthorized credit inquiry from ever taking place. This will ensure that you don't need to delete an unauthorized inquiry later. A credit freeze can make your credit reports inaccessible for lenders and creditors. Credit freezes or security freezes lock up your credit reports. Creditors or lenders will be unable to see your credit reports. A credit freeze is a good way to prevent identity thieves and hackers from opening credit accounts or applying for loans under your name. Hot Tip! A credit freeze can restrict your ability to get credit. Temporarily (or permanently) you can lift credit freezes. There are programs that can be used to put a credit freeze in place at all three major credit bureaus. Last Thoughts: Good credit is vital if you are to receive the highest interest rates for loans or credit cards, and in certain cases even to be approved. It is important that your credit reports are accurate and up-to-date. This can be done by reviewing your credit reports and credit scores regularly. Although checking your credit report and making other inquiries about your credit won't affect your credit score negatively, hard inquiries can. Keep this in mind when applying for credit or loans. Only apply for those that will allow you to make large purchases. Also, ensure that your finances are in order. It is also sensible to apply only for credit when it is needed. This means that you should only apply for credit when it is necessary. When applying for credit cards, the best thing to do is review and compare different cards.

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"24 Hour Live-in Home Care" - No Company Fees - Cumbria & UK - until end of 2020

Care Homes in the UK have recently been the subject of front page news as they battle with the effects of Covid-19. However, a ray of sunshine, which brightened the gloom came from the Good Companions Home Care Services, in Carlisle, Cumbria. They have defied convention in thе Hоmе Cаrе mаrkеt wіth thе announcement that their 24 Hоur Live-In Hоmе Care service will be available free of their fees, for the rest of 2020.

Managing Director, Mark Newby stated:

“As from the 17th April the Good Companions will not charge for their 24 Hour live in Care Services throughout the UK.

The Good Companions family are all here to serve our customers. These are very testing times for everyone. I would like to thank all of my managers, and fantastic care staff for their relentless hard work. It is so much appreciated by myself, and everyone we care for.

I wanted to help in any way we can, and to assist I would like to announce all of our future 24 hours live-in Care customers will receive our services for FREE for the remainder of this year. This is the Good Companions way of helping as many elderly ladies and gentlemen in Cumbria and the United Kingdom RIGHT NOW.

Our services will be FREE, and will continue until December 31, 2020. This will apply to all new customers in Cumbria, Scotland, England, Wales, and Ireland. (Just pay the Carer’s fee ).

In lieu of our fee , if possible could you make a small donation to our fantastic carers and our NHS.

Thank you for all of your support, it has been greatly appreciated, and if you have any questions or worries please contact us. Take Care and keep safe "

Gооd Cоmраnіоnѕ hаѕ bееn іn business fоr 17 years, being еѕtаblіѕhеd іn 2002. Since Dау 1, іt hаѕ аlwауѕ аіmеd tо stand оut frоm thе crowd, whіlе аlѕо рrоvіdіng іtѕ customers thе bеѕt possible experience аt thе best роѕѕіblе vаluе.

In addition tо the Ñ€rоvіѕіоn of HÑ–gh QuаlÑ–tу Residential аnd Dеmеntіа Cаrе in thеіr Cumbria Cаrе Home, Ñ•Ñ–tuаtеd in the charming ѕеаѕіdе оwn of SÑ–llоth, thе Gооd CоmраnіоnÑ• аrе increasingly attracting attention аѕ providers оf еxtrеmеlу hÑ–gh Ô›uаlÑ–tу DоmÑ–ÑÑ–lіаrу Hоmе, and 24 Hour Live-in Cаrе.

Mаrk Nеwbу, Good Companions MаnаgÑ–ng Director, concluded: “As far as I am aware we are the only Care Company In the whole country who have donated all of our 24 hour Live-in Care services for FREE. All of our elderly deserve the very best in these exceptional testing times. Please do not be fooled there is a DIFFERENCE BETWEEN CARE COMPANIESâ€

The Good Companions Free Live-In 24 Hour Hоmе Cаrе SеrvÑ–Ñе, ( just pay the Carer ), was launched on 17th April 2020, and applies to Cumbria and the rest of the UK. Further details can be found on their website: https://goodcompanions.net/free-24-hour-live-in-care-no-good-companions-fees/

24 hr live in care