Finances & Lifestyle > Essential Steps to Credit Repair
By Rhonda Faye Hodge
Pay all your bills on time
Most creditors have a number of payment options to utilize. not yours for seven years or is reported incorrectly. Get
Forget about your past indiscretions and start paying
copies of your reports and clear up any errors ASAP.
all your bills by the due date (that’s right all of your
Know your credit score
Keep in mind the Credit Repair Process results are not
bills) with a few days to spare. This single act alone
Get a Copies of Your Credit Report from all three major
achieved overnight. It may require many letters to the
over a period of a year will greatly improve your credit
credit bureaus: Equifax, Experian and TransUnion. Obtain
Credit Bureaus, Creditors, Collection Agencies and
standing, and fico score. It will also help to maintain a
the reports once a year for free at www.annualcreditreport.
possibly the Attorney Generals office to get a negative
few extra dollars in your pocket by eliminating those
com or for a fee from the Credit Bureaus. Review your
trade line remove. Don’t give up; be persistent.
nagging late fees. If you must be late do not exceed 30
credit report for errors, .Review the payment history, loan
days from the due date. Most lenders do not report late
amount, balance, even review any variations of your name Don’t believe the hype
payments less than 30 days delinquent to the major
and address reported. Did you pay off a loan 3 years ago Don’t fall for scams there are a lot of bogus Credit Repair
credit bureaus. Please note this does not mean that
and it still reflects a balance? Have they included a trade Companies and debt eliminator companies. There is
the creditor, utility or bank does not have a record of
line (credit information) which is not yours? Did they nothing these companies can do for you that with a little
your late payments or has forgiven you. If you wish
say you were 30, 60 or 90 days late and you were never research and some commitment of time you cannot do
to extend a loan, transfer service or increase a credit
late? Are there addresses listed of places you never lived yourself. If you simply do not want the hassle do not
limit with a lender whom you already have an account
(Identity theft is a real problem)? Is there a negative trade wish to commit the amount of time required and would
your payment history will be reviewed. Never ever
line reporting that is obsolete seven years or older? If so rather have someone else deal with the details then take
make a late payment on the Mortgage EVER. If you
write a letter to the credit bureau reporting the incorrect precautions and investigate the company to ensure you
are forgetful contact your bank or credit union about
information advising them to remove or correct the error. are working with a legitimate credit repair company. A
setting up an Automatic Withdrawal on a specified day
Keep a copy and excellent records i.e. old statements (if negative trade line that is reported correctly cannot be
from your checking or savings account to ensure timely
you have them), and receipts. Mail the letter certified removed from your account by anyone. You will have to
payment for Mortgages, Credit Cards, utilities and loans.
delivery signature required for proof of delivery. The wait out the seven years. The older a negative trade line
This service is usually provided for free at no cost to
Fair Debt Collections Practices Act (the law) states that the less impact it will have on your credit score. Recent
the customer. Utilize budgeting & personal financial
the credit bureau has 30 days to investigate your dispute negative trade lines impact your score the most. So get
software that will send you an e-mail reminder when the
or remove it from your credit file/report if they are unable cracking and restore your good name and credit score.
due date is approaching or use an old fashion calendar
to verify the information. Ideally I would like to you
to record the due dates for your bill payments. If getting
review your Credit Reports every six months especially
to the post office is not convenient consider using the
while in the credit repair process. A negative trade line by
check by phone, debit card payment options, or paying
law can be reported on your credit file/report for seven
online through the internet from the creditor’s website.
years. Don’t take the rap for a negative trade line that is
Welness & Spirituality > Creating New Solutions with Feng Shui
By Aminada D’Niembe
Scenario: You are feeling so grateful. Your life opposite but complimentary forces of the universe. Our rain forests are disappearing, the protective ozone
is so full! You have been thinking of spreading layer is depleted, the oceans and the very air we breathe
some joy in the community and finally decide
• Through the proper arrangement of objects within
is polluted and still we continue to over develop the
to volunteer. After making the appointment
and around your home or office one can achieve
land. WE ARE OUT OF ORDER! We are divorced
to meet with the program coordinator, down
harmony. The Chinese believed that by mixing,
from the natural. It is time for a real relationship repair.
at the shelter you are upbeat, feeling great.
separating, and arranging of the five elements
A reunion is in order.
There is no feeling like truly giving something
(Earth, Water, Fire, Metal and Wood), at appropriate
of yourself to others. So what happens to that
compass points is one of the basic methods of Those living close to the land develop a deep connection
good feeling once you arrive at the site? You
adjusting the Feng Shui in your home or office. to nature. They learn to respect and have keen
find yourself confused and disoriented. You
appreciation for the laws of nature, knowing that their
• Colors and shapes are also figured in to help
force yourself to stay, but can barely wait to
very survival depends on it. Through observation they
establish balance in our personal spaces. Feng
get out of there.
realized that one benefits by living in harmony and
Shui may sound complicated, but is quite simple
balance with the forces of nature.
Let me introduce you to Feng Shui. Heard about it, but
really. It transcends the confines of rational thought
have you actually explored it? I first learned of feng
and it’s preoccupation with logic and yet it is Our entire cosmos shimmers as a network of
shui, pronounced ( Fang or Fong Sway ) about ten years
firmly grounded in common sense and scientific communication. The sun, moon, and stars, everything
ago. The words Feng Shui, are Chinese for “Wind and
observation. has an energetic imprint. All growth and development
Water”. It is both an environmental science and art. It
is energetic. So if you find yourself depressed, stuck,
began simply as an interpretation of the natural world.
Where did it come from?
unhappy or even ill for no apparent reason, I suggest
The Chinese knew and accepted that we are sentient beings
you investigate Feng Shui. It can make a difference.
What is it?
dwelling upon a sentient planet. That all things are alive
Visit your local library or bookstore or interior design
Feng Shui is the art and science of placement, which has
and interrelated by cosmic energy or Chi. Feng Shui is a
firms to learn more about it.
its’ roots in ecology, aesthetics, philosophy, astrology
return to Intuitive Living. The maintenance of harmony and
While there are numerous materials available on this
and interior design an ancient discipline dating three
balance in the universe, and in nature, is the fundamental
ancient art, I especially like these books: The Practical
thousand years ago, containing principles at least six
goal of Feng Shui, or of “Geomancy”, as it is also termed.
Encyclopedia of Feng Shui By Gill Hale. Feng Shui,
thousand years old. Simply put, the universe is a vast
field of swirling, vibrating energy. Feng Shui is the
Interconnections
arranging your home to Change Your Life, Kirsten M.
Lagatree.
study of this motion.
In the realm of Feng Shui, most of the woes of mankind
can be directly linked to human disregard and disrespect Feng Shui, The book of cures, Nancilee Wydra.
• It teaches us the art of manipulating our physical
for the laws of the universe, and our failure to care for our
surroundings in a favorable direction. We are
planet. In certain circles, it is believed that Mother Earth
Peace and Harmony!
taught to achieve balance between the forces of
retaliates through so called natural disasters.
Yin and Yang, these being identified, as the two
VOLUME 3, ISSUE 2  NAPTURAL ROOTS  15
Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30