Archive for October, 2014

Q: How Do You Clear Up Bad Credit?

Friday, October 24th, 2014

A: It is not easy but certainly doable with both commitment and time.  

By law, any unfavorable information in your credit file can stay there from 7 to 10 years. Today, however, a creditor must remove credit blemishes in a timely fashion if you challenge them and they turn out to be false.

The first step in any recovery plan is to get copies of your credit records.  You are entitled to free copies if you have recently been turned down for credit. Otherwise, request copies for a fee from the three major credit-reporting agencies: Experian, (800) 311-4769; Equifax, (800) 685-1111; and Trans Union, (800) 916-8800.

If you see any incorrect information, let the credit reporting agencies know.  Also contact the companies that reported the negative claims against you.

If the credit report is correct, move immediately to take care of any outstanding delinquencies, tackling a little at a time until you get back on the right track. In fact, make an effort, if at all possible, to repay your debt in full and on time for six months to a year to prove you are working hard to repair any damage.

 

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2014. All rights reserved.

How to Make Your Home Safe for Trick-or-Treaters

Friday, October 24th, 2014

If you’re expecting trick-or-treaters at your home this Halloween, take time to rid your yard of any potential hazards that can compromise a child’s safety. Follow these steps for a fun and safe Halloween in your neighborhood. The costumed crowd, and their parents or guardians, will thank you.

Secure your entryway. Before trick-or-treaters come bounding up your doorstep, look for trip hazards like loose pavers or extension cords. Guide children around these dangers with markers, or restrict access completely.

Avoid using flammable materials in your décor. According to FEMA, more fires occur on Halloween night. Swap out the candles in your jack-o’-lanterns for LED alternatives, and be cautious when using seasonal flammable décor, like hay or dried cornstalks, which can easily catch fire if too close to heat sources.

Light up the night. Aside from keeping all porch lights on, consider turning the lights on in rooms that have windows facing the street. If you have a longer walkway, add tea lights or glow sticks to light the path.

Contain your pet.
Costumes can sometimes spook dogs, even those who are normally well behaved around strangers. Set your pooch up with a comfortable space inside and away from the front door.

Source: Zillow

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2014. All rights reserved.


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