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10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 Hours

This is the absolute fastest way to correct errors on your credit describe and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home lend and find errors on your credit report, request the loan officer to conduct a Rapid Rescore. But don’t mistake it for the credit clinic tactic of multiple dispute letters.

The Rapid Rescore strategy requires proper paperwork. You need proof that the item is incorrect. It must come from the creditor directly. For example, a letter stating the account is not your account, a letter stating the been was paid satisfactorily, a release of lien, a satisfaction of judgment, a bankruptcy discharge, a letter for deletion of collection account or any relevant evidence.

This is the same documentation a bank or mortgage company would require for the credit accounts anyways. The difference is, now you can improve your credit score and receive a lower interest rate. The results are not guaranteed and will run you about $ 50 per account.

2. Deleting Negative Credit

This is the infamous area where you’ve heard of all the scams. Credit repair clinics charge “an arm and a leg” and promise a clean credit report. Sometimes even a new attributing profile! People spending hundreds, or even thousands, of dollars for something they tinning do themselves.

Removing errors is simple. Deleting negative credit that is accurate requires advanced methods. But that is not the scope of this report. So I’ll riveting on the deleting the negative errors.

Credit describe errors easily disappear by using a simple dispute letter. If you have the paperwork proving the error as mentioned above in Rapid Rescore, send copies of that along with the dispute earn. This will make the credit bureau’s job easier and you will get faster results.

If you don’t have the documentation to prove the error(s), send the dispute letter anyway. According to federal law, the credit bureau’s have a “reasonable time” to validate your claim. They will contact the creditor for verification of your dispute. Then the account will be reported accurately – or deleted. It has been generally accepted the “reasonable time” to complete this task is 30 days.

If you’re not the do-it-yourself kind of person. Or don’t have the time. You could hire someone who is very economical.

3. PiggyBack Someone’s Credit

This is a fast and great little credit score booster. But it requires a very trusting relationship. Simply put, someone else adds you to their credit account. For example, when applying for a credit card, you may have seen the section to add a card holder. If your trusting person adds you, their payment history is now reported on your credit report too. If they have perfect credit, now you have a perfect account.

To make this more effective, use an aged account. Imagine if your trusted person has a 10 year old credit card account with a perfect payment history and a balance of only 50% of the credit limit. Wouldn’t you love to have this on your credit report? Once done, do check your free credit report gov annually and more. Look for the changes. The easy part is your trusted person just calls the credit card company and requests a form to add a cardholder. Once completed and activated, their entire account history and future is now firmly planted on your account. Imagine if you secured 3-5 of these accounts – especially installment accounts. Your credit score could sky-rocket!

The challenging part? Finding the trusted person. Since you already have a low credit score and bad credit, how eager will someone be to make you a cardholder? Even your parents don’t want you to damage their credit. But, no one says you need to possess the card! In other words, your trusted person could add you as a card holder and never give you the card or PIN or any information. Since the bills and all account information is still mailed to the trusted person’s address, you won’t know anything about the account. This scenario could land you many trusted persons. And you still benefit with a higher credit score.

4. Playing Round Robin

This strategy is one of the oldest credit building techniques around. It used to be accomplished with secured savings accounts. But now, it’s much easier with secured credit cards. In fact, I’ve used this method myself.

Here’s how it works: Take ,000 (or what you can afford) and get a secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a second secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a third secured credit card. Once received, get a cash advance of 70% of your credit limit.

Open a new checking account with the final cash advance. Use this account only for making payments on your three new credit cards. If you make your payments on time every month, your credit score will increase because you now have three new perfect payment credit cards. (Initially, your credit score might drop a few points due to the rapid, multiple accounts being opened. However, be patient because within 4 months of no new accounts or any delinquencies of any account, you will see your credit score increase. Mine increased 60 points in 60 days!!)

5. Pay on Time

This one is quite obvious. But after 12.5 years in the mortgage business, I discovered it still needs repeating. Your creditors were gracious enough to loan you money. Now pay your damn bills! If you don’t, your credit score decreases. EVEN IF ONLY 30 DAYS LATE!

That’s right folks. For some reason people think, “I’m only a few weeks late. What’s the big deal?” Well, for the loan company, if you pay late but consistent, they make a lot more money with late fees and more interest (if a simple interest loan). For you, your credit score is damaged. If you think long-term and credit score, I’m certain you would not have a cavalier attitude.

6. Pay Down Debts

This seems like an obvious method, doesn’t it? But it is not as transparent as you might think. Remember, we’re playing with high-level statistics and probabilities which evaluates and forecasts trends in your behavior. Here’s what you do…

Never pay off your revolving debt in it’s entirety! Isn’t that a surprise? Think about it. Your credit score is a reflection of your ability to manage your credit. Paying off your debt is not managing your debt. If you have a zero balance, how can you manage it? You don’t. It no longer exists. And you cannot manage what does not exist, right? Therefore, in terms of credit score, you have demonstrated your ability to swiftly pay off accounts to avoid managing them. Thus, slightly decreasing your credit score.

One exception, of course, is if you’re over extended to begin with. Pay off what’s necessary to make your credit profile look great. Then manage the remaining credit.

7. Don’t Close Accounts

Even if you pay off revolving debts, do not close the account. The longer an account is open with no negative reports, the better it reflects in your overall credit score. This is due to the weighted-average in the credit score formula. Many credit experts suggest a balance of 30% of your credit limit. That’s ideal. But you can go as high as 70% and still maintain a healthy credit score.

8. No New Credit

You must be vigilant in your credit behavior if you want the best credit score. Therefore, do not get any new credit unless it is absolutely necessary. Each time you apply for credit, an inquiry is added to your report. This usually drops your credit score slightly. When you have fresh credit, there is no track record how you will manage (or pay) this account. Therefore, it’s a higher risk which results in a minor drop in your credit score. Remember, your credit score is about risk assessment.

Here’s what you do: obtain credit for your housing, transportation, college or continued education and 3-5 credit cards. That’s really all you need for personal credit. If you want more credit, request a credit limit increase on your current cards rather than apply for new ones.

9. Maintain A Mix of Credit Types

If you show you can handle different types of credit at the same time, you are rewarded with a great credit score. In other words, get installment loans like vehicle, personal loan or mortgage. Get revolving credit like credit cards: Visa, Mastercard, Sears, Sunoco Gas, Costco. By mixing it up, you demonstrate you can manage your credit because you will have short term and long term credit with a fixed payment. As well as a “variable” monthly payment on your credit cards.

Keep these accounts open with a balance of 70% or less and paid on time and you will witness your credit score climb to great heights.

10. Don’t File Bankruptcy or Foreclosure

Here’s the most obvious advice: Don’t file for bankruptcy or foreclosure. These stay on your credit report for 10 years and always decrease your credit score. The older the bankruptcy or foreclosure account becomes, coupled with re-built credit history, the less of an impact they play on your credit score.

Contrary to popular beliefs, you can legally delete a bankruptcy and foreclosure. It’s not easy.

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(PRWEB) September 12, 2014

The Torque Sensor market report defines and segments the concerned market in Europe with analysis and forecast of revenue.

Browse through the TOC of the Torque Sensor market report, to get an idea of the in-depth analysis provided. This also provides a glimpse of the segmentation of the market, and is supported by various tables and figures.

The torque sensor market in Europe is segmented on the basis of different types of sensors used, rotary, static/reaction, magnetoelastic, surface acoustic wave (SAW), and optical. Rotary and reaction torque sensors together accounted for around 87% of the total market share in this region. Further, the torque sensor market is metameric into various applications including self-propelling sensors, industrial manufacturing, test & measurement, aerospace and defense, medical, and others.

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Europe ranks second in the production of light vehicles after Asia-Pacific. The region produced approximately 18 million light vehicles in 2012 which is a major market for torque sensors. This region is gradually recovering from the global recession and is expected to exhibit greater demand for torque sensors. Europe is a major centre for Formula 1 racing, which is currently one of the largest application markets for magnetoelastic torque sensors.

Early buyers will receive 10% customization on this report.

A lot of new technologies for torque measurement have evolved over the past few years, primary ones among those being magnetoelastic, optical, and SAW. Apart from being compact and lightweight, they have good linearity, considerable resolution, and electromagnetic noise immunity. Battery-less and wireless operation of SAW torque sensors allows for flexible package design and easy integration with existent system projecting. Optical torque sensors are capable of rendering significant benefits for determining torque on rotating shafts due to the inbuilt features such as non-contact operation, low cost, embedded design, high bandwidth, and noise immunity. All these factor would provide a great opportunity to develop the torque sensor market in Europe.

The report profiles all the major companies involved in this segment, covering their entire product offerings, financial details, strategies, and recent developments. The current and future trends for this region have been analyzed. The report also highlights totally the factors, currently, driving the market as well as restraints and opportunities for the European market.

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North America Torque Sensor Market
Torque measurement is required for technological applications such as engine and transmission testing, turbine testing, pump testing, and measurement of power within propulsion systems. Torque sensors are devices used to measure torque produced by rotating systems in crankshaft, bicycle crank, transmissions, helicopter tail rotor and engine. Automobile is the leading application in the torque sensors market which constitutes about 30% of the market share. Also, process monitoring is the major industrial application in this segment.

Latin America Torque Sensor Market
Torque measurement is required for technological applications such as engine and transmission testing, turbine testing, pump testing, and measurement of power within propulsion systems. Torque sensors are devices used to measure torque produced by rotating systems in crankshaft, bicycle crank, transmissions, helicopter tail rotor and engine. The latest development in wireless and non-contact torque sensors like optical torque, magnetoelastic, and acoustic wave (SAW) will increase the use of torque sensors in various verticals. In future, SG technique is supposed to be the main technology for torque sensors.

The Latin America torque sensor market is expected to grow from $ 46 million in 2013 to $ 74.5 million by 2018, at an estimated CAGR of 10.1% from 2013 to 2018. The credit is mainly attributed to the developing economies such as Brazil and Argentina. In Latin America, Brazil is the market leader for torque sensors in terms of consumption.

Asia-Pacific Torque Sensor Market
Torque sensors are devices used to measure torque produced by rotating systems in crankshaft, bicycle crank, transmissions, helicopter tail rotor and engine. Torque measurement is required for technological applications such as engine and transmission testing, turbine testing, pump testing, and measurement of power within propulsion systems. The latest development in wireless and non-contact torque sensors like optical torque, magnetoelastic, and acoustic wave (SAW) will increase the use of torque sensors in various verticals. In future, SG technique is supposed to be the main technology for torque sensors.

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Wilmington, NC (PRWEB) September 11, 2014

Live Oak Bank and A Goodnight Sleepstore announced that they are donatingxinew mattresses, box springs and mattress protectors to Open House Emergency Youth Shelter & Residential Services of Coastal Horizons Center, Inc.

Open House Emergency Youth Shelter & Residential Services is a 24-hour, 11-bed facility that is committed to improving the safety and well-being of abused and/or neglected and at-risk youth, ages 6 through 18, who are in need of a safe place to stay. While meeting the basic needs for food, clothing and shelter, Open House encourages youths personal growth through counseling services, vocational/educational and life skill building activities and recreational activities. All services are confidential and are provided at no cost to the youth or their families.

On average, Open House of Coastal Horizons Center serves about 60 youth each year. For many of these youth, their first night at Open House may be the first time in a long time that they have felt secure enough to sleep through the night. In the safe and stable environment that Open House provides, youth are able to regain a sense of control and address the situation that led to the need for out of home placement or that caused them to feel unsafe.

Because of generous donations such as this, we are able to continue to offer a safe place and a warm bed for youth who need it the most. We are so grateful to our friends at Live Oak Bank and A Goodnight Sleepstore for making this happen! A good nights sleep is healing for us all and is especially important for a youth in crisis, expressed Brianne Winterton, Clinical Supervisor of Open House.

When approached about this donation, we had no hesitations in helping such a great cause, commented David Heidenreich, Owner of A Goodnight Sleepstore. As a father of two, my heart goes out to the youth who seek housing through Coastal Horizons. We are hopeful that the new beds will allow them to sleep soundly and comfortably for many nights to come.

Live Oak Bank is committed to supporting Coastal Horizons needs throughout the upcoming year. We are looking to not only provide donations and monetary support, but we want to get our employees involved, stated Lee Williams, Vice-Chairman of Live Oak Bank. This organization is doing amazing things to help the youth in our community. We are glad to lend a helping hand.

About Open House Emergency Youth Shelter of Coastal Horizons Center, Inc.
Open House Youth Shelter program provides safe emergency shelter and residential services for male and female youth between the ages of 6 and 18 years old who are in need a safe place to unrecorded. The program assists with resolving the current crisis that led to the need for out of home placement, and helps youth and families to make a plan for the future. Open House provides: shelter, food, counseling (for youth and families), and referrals to other organizations that can also help. Open House supports and encourages family visitation and interaction when safe and appropriate. Open House is licensed by NC Department of Health and Human Services Division of Social Services as a 9-bed foster care placement facility.

About Live Oak Bank
Live Oak Bank was founded in 2008 to provide small business lend to professionals across the country looking to start or expand their business. Aside from acquisitions and refinancing, Live Oaks lenders specialize in real estate loans and crunching up construction projects. The bank originally began lending to veterinarians, and has since expanded not only into other healthcare-related industries, but into specialty areas as well. Having such a keen industry focus and trade specialists on board, enables the bank to offer an exceptional level of service to the client. To learn more about Live Oak Bank, please seeing

Laura Petty, Marketing Programs Manager
910.796.1676 office

Live Oak Banking Company. Member FDIC. 2014 Live Oak Banking Company. All rights reserved.

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Five Tips To Improve Your Credit Score

The “American Dream” is going a reality for more families than always before. According to the U.S. Department of Housing and Urban Development ( over 67.7 percent of Americans are nowadays homeowners. This is the high homeownership always.

The chances of becoming a homeowner are greatly ameliorated when you cognize and comprehend your credit score. Lenders use many factors in determining whether or not to okay a loan and your credit score is one of them. Lenders too stare at your income in relation to the amount of your debt, your employment history, and how much money are do you have in reserves in case of emergency. Although your credit score is only one factor in ascertaining if your loan will be approved, it is a significant one and it is one that you can ameliorate.

Under the Fair and Accurate Credit Transactions Act you are entitled to a costless copy of your credit report yearly from each of the three interior consumer credit companies. A fundamental location has been positioned up at Here, you can likewise carry your credit score (one from each of the companies) for a little fee.

Your credit score is a “snapshot” of your credit history, which changes oft. It can likewise be called your FICO score because the three home consumer credit companies use software to determine the score developed by Fair Isaac and Company. FICO scores range from 300 to 850 and the higher the score the better your chances of obtaining credit. According to myFICO (a division of Fair Isaac and Company), the national average is 723. This does not mean that if your credit score is lower than the national average that you will not become a homeowner. There are many loan programs available that allow lower credit scores. You may pay a higher interest rate on your mortgage, but you will achieve the American dream of owning a home.

According to myFICO, there are five factors used in calculating your credit score. Your payment history represents 35 percent of the number. This is followed by the amount you owe at 30 percent. The length of your credit history represents 15 percent of your FICO score and any new credit and the types of credit you use represent 10 percent each. Knowing these factors can help you improve your score.

Your payment history makes up the largest part of your FICO score. If you want to improve your score it can be as simple as pay your bills on time. If you have missed payments, get caught up. Over time, this will improve your score. The longer you pay your bills on time, the better your score.

A factor in determining your credit score is the amount of debt you actually owe versus the amount of credit that is available to you. Hence, paying down your obligations will improve your credit score. You do not want to close your unused credit cards since they will show you have more credit available to you than you are actually using. Paying off debt is good while closing the paid off debt can actually hurt your score.

In order to determine a credit history, you must have at least one piece of credit reporting for at least six months. So if you find that you have no credit score, you need to find a way to establish credit for a period of six months. Although you need to watch for various credit scams, there are secured credit cards available that will meet this need.

Since your credit score is a “snapshot,” opening to many unexampled accounts in an inadequate period of time will ache your credit score. This is caused by your mean account age being trimmed by all the new launched credit.

When you employ for credit (i.e. mortgage, auto loan or credit card) the company will stare at your credit report. This is named a credit inquiry. Although too many credit inquiries can lower your credit score, opening unexampled credit and paying it on time will better your total score. You reviewing your ain credit, as long as you are obtaining your credit report from an organization authorized to supply credit reports to consumers, will not impact your credit score.

It is better to have credit cards and subsidize them on time, than to not have any credit at all. A lender will stare at a mortgage loan or big installment debt more closely than a little credit card. However, all types of credit, including payed away and closed accounts, are used in computing your credit score.

If your credit score is low-toned, ofttimes the better way to increase your chances of becoming a homeowner is by paying your debts on time, and for a period of time. The longer you present your ability and willingness to pay your obligations, the greater the chances you will be capable to reach the “American Dream” of homeownership.

James Campanella is a twenty-five year veteran of the mortgage lending industry. He is the Branch Manager (Rolling Meadows, IL) of Supreme Lending, a national mortgage banker.

When not originating residential mortgage loans, Jim hosts the mortgage blog, “The Mortgage Messenger.” Jim is the author of the e-book “The Mortgage Messenger’s Home Buyer’s Handbook.”

If you would like more information about home ownership and the mortgage industry, visit The Mortgage Messenger at [].

Jim makes his home in Rockton, IL.

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Student Loans

A higher education is expensive today and many families are experiencing financial problems with the downturn in the economy. This means that more students need to borrow more money than they have had to before.

So what’s out there, when it comes to loans, for a student who is on his or her way to college?

First, there are Federal student loans. To apply for any Federal student loan, and for many private loans from colleges and universities as well, a student, or the student’s parents, will have to fill out a FAFSA or a Free Application for Federal Student Aid. This is a lengthy process and the student, if he’s independent, or the student’s parents, will have to have up-to-date tax information before filling out the form.

Once the FAFSA is filled out a student will find out if he or she is eligible for Federal Student loans. Federal student loans are the most desirable loans available. The interest rates on Federal Student loans are usually low and the student has a long period in which to pay back the borrowed money.

The best of Federal loans are subsidized federal loans – Subsidized Stafford Loans and Federal Perkins loans.

Subsidized Stafford Loans:

Are available to students who demonstrate financial need.

Are interest free until ten months after the student graduates, leaves school, or becomes less than a half-time student.


Federal Perkins Loans:

Are even better than Subsidized Stafford Loans and go to students who have the greatest financial need.

Have an interest rate of 5%.

Do not need to be payed back for ten years after graduation.

Can be partially cancelled if the student decides to teach in a low income area or is a teacher of subjects that have a low amounted of teachers – like math or science.

The Federal government also offers unsubsidized loans – Unsubsidized Stafford Loans and PLUS Loans.

Unsubsidized Stafford Loans:

Are not based on financial need.

Are available to any U.S. citizen who is free of drug felony charges.

PLUS Loans:

Are loans for parents of college students.

Parents must have good credit and creating of income.

There are individual loans as well. They are available from banks and other lending institutions.

When applying for private student loans , look for low interest rates and low fees or no fees.

When thinking about loans – whether funded by the Federal government or private lending institutions – the place to start is at your college’s financial aid office.


For more information about student loans please visit: