how to build your credit score

the facts are as we know, always pay bills on time and avoid using all your credit limit on your credit card and you never want to cancel them because as i what i have read the longer you have your credit card the better.
if you have poor credit, you may want to apply a secured credit card which is you would put money into it before your can spend.
you can also build credit by other ways like with your apartments and stuff as long as you pay them on time.

From FreeStarCredit.com


Explanation

There are many factors that can influence your credit score. The most important factors are listed below, in their order of importance. Remember, these factors vary in how strongly they impact your credit score. Additional details are provided for some factors to help you better understand how they relate to your credit accounts.Here are the top factors affecting your score:
Credit history
Not enough debt experience - In general, a longer credit history will have a positive impact on your credit score; but, there is little you can do to hurry the process. The length of your credit history has a greater impact if there is minimal other information in your file. Showing activity on different types of accounts can give potential lenders a broader base on which to base your credit history. Keeping older accounts open � even if you aren't using them � may extend your credit history overall as well as for specific types of credit. Most important is to show responsibility with the accounts you have while waiting for time to be on your side.
Credit accounts
Too many accounts close to limit - A major part of your score is determined by analyzing how much you owe, particularly in proportion to your available credit. When a high percentage of your available credit has been used, it can raise concerns that you are overextending yourself and are more likely to make late payments or none at all. Keep in mind that even if you pay your bills in full each month, your credit report will usually show the balance from your last statement. Keeping low balances (30% or less of available credit) can have a positive impact on your credit score.
Account balances
Total balance of revolving accounts is too high - A major part of your score is determined by analyzing how much you owe, particularly in proportion to your available credit. When a high percentage of your available credit has been used, it can raise concerns that you are overextending yourself and are more likely to make late payments or none at all. In addition to considering the amount owed on all accounts, the amount you owe on specific types of accounts, such as revolving accounts, is also a factor. Keep in mind that even if you pay your bills in full each month, your credit report will usually show the balance from your last statement. Keeping low balances (30% or less of available credit) can have a positive impact on your credit score.
Credit history
Length of time since most recent bankcard acct has been established too short - In general, a longer credit history will have a positive impact on your credit score; but, there is little you can do to hurry the process. The length of your credit history has a greater impact if there is minimal other information in your file. Keeping older accounts open � even if you aren't using them � may extend your credit history overall as well as for specific types of credit. Most important is to show responsibility with the accounts you have while waiting for time to be on your side.

Somewhere in Time

Have you ever experienced this?

like a flashback... seeing something from the past when you daydream...

like a feeling you have lived another life before...

if a person's life is planned... by someone...maybe i played too much in heaven before i came down here to live another life and meet my husband.

is there really a heaven or is it just a word to describe something....

like the word "happy".....there's no place Happy...we just use happy to describe something or someone 'coz when i was young i thought the sky is heaven that's why before when i fly a kite i was so happy to see that my kite almost touched it but then i've learned later that the sky is just the cover of the earth and outside is a universe with so many stuff around it...i'm also asking if what is at the very bottom of the universe?.... pffft whatever! I'm going crazy here...

I don't believe that when a human dies, the soul comes back and lives another life but is it possible?

after all, how come water evaporates and comes back to us as rain?

on the other hand maybe the cause why i see things is hunger....i better eat now..see yah!

School in United States

My sister in the Philippines is on her final year in high school. next year she is going to college which is really a good thing. she likes co- curricular activities a lot like school shows etc.
boy she always wants to join. I said there's nothing wrong with that but she spends money on clothing for those activities and she only gets to wear them once...my mother was nagging 'coz she says it's a waste of money. Well i said you can say that again because i think the school should provide it...it should be part of the school's budget so that every year if they want to do the same "little show" they can lend those paraphernalia’s to the new student heir. there are more important things for the money like for uniforms, shoes, tuition fees etc.
now i remember when i graduated from high school the school never gave me my diploma because i owed them money from those gospel or It's like small books with comics on it and stuff, they said it's an educational piece of reading material that they gave out to students every now and then....most are thrown everywhere.. and when i enrolled for college my report card got a note "she has outstanding balance on her account".pffft!

I told my mama that here the children doesn't wear uniform. i see them wearing a backpack and they look just like they're heading for the park.... talking about "comfortable"...
I’ve heard the tuition is free too for high school here.
And talking about College Schools in United States, There's one here that i went to for information and initial application last month. it’s a private college and they offer 3 programs that is business office admin, medical assistant and something about Technology. Associate Degrees (2 years).
Well I was so Interested 'coz it's 4 days a week, 4 hours a day...great schedule for full time workers...unfortunately it was $28,000 for 2 years, I passed the Entrance Exam....timed for 12 minutes 50 questions (laughing***) and I qualified for Sallie Mae student loan which is suppose to cover about more than half of it but did not for the federal "free money" 'coz i worked last year and i beat the poverty line which means that i've earned so much...stated in my taxes for me not to be given free money for school...
well now I’m trying again....for public schools 'coz they're cheaper ..hopefully next year.

it’s all about trying...it's ALWAYS been.

P.ost S.cript
thanks for reading.

***day off and feeling blue
I want to gaze into those filthy sea...
oh philippines how i miss you...
most i love in life are free..

Life with no job

So it's been a while since I’ve visited my blog 'coz I was fixing things and my husband was out of work or job whatever because businesses keeps closing these days...economic reasons...
it was funny actually 'coz the company was bought by another company who have the same business and then closed it down...my husband said they don't want competition something like that.

He gets unemployment benefits though from the government but it's not enough compares to the money he was getting when he's still employed but anyway I think it's better than nothing at all. he's looking for another job though but god...it's that scarce...
I was thinking because in the Philippines we don't have unemployment benefits so if you don't work you don't have anything... that's the difference

my other blog

visit my other blog too if you have the time. thanks.
www.dreamlights222.blogspot.com

Favorite Quote

From the Movie "Grumpy Old Men"

**"The only thing in this life that you regret are the risks you didn' take

and that If you see a chance to be happy, grab it with both hands and to hell with the consequences."**

The Necklace by Guy De Maupassant

I like short stories. One I like most is the story about "the Necklace".

This is a story about a woman who was married to a poor man. She wasn't happy at all.

She envied other women because they have the best and she got nothing.

"She had no clothes, no jewels, nothing. And these were the only things she loved; she felt that she was made for them. She had longed so eagerly to charm, to be desired, to be wildly attractive and sought after".

She had a rich friend, an old school friend whom she refused to visit, because she suffered so keenly when she returned home. She would weep whole days, with grief, regret, despair, and misery.

And then one night she got an Invitation for a very special occasion where big people will be present. She wasn't happy at all because she was thinking about the dress she's going to wear. So the husband spent the money he was saving to buy a dress. But then she was still unhappy because she doesn't have any jewel to go with the dress.

""I'm utterly miserable at not having any jewels, not a single stone, to wear," she replied. "I shall look absolutely no one. I would almost rather not go to the party."
"Wear flowers," he said. "They're very smart at this time of the year. For ten francs you could get two or three gorgeous roses."
She was not convinced.
"No . . . there's nothing so humiliating as looking poor in the middle of a lot of rich women."

So what she did was, she went to see a rich friend and asked her to lend her a necklace. She got a very beautiful "diamond necklace".

The day of the party arrived and She was the most beautiful woman in there.

"She left about four o'clock in the morning. Since midnight her husband had been dozing in a deserted little room, in company with three other men whose wives were having a good time. He threw over her shoulders the garments he had brought for them to go home in, modest everyday clothes, whose poverty clashed with the beauty of the ball-dress. She was conscious of this and was anxious to hurry away, so that she should not be noticed by the other women putting on their costly furs. "

They arrived home when she found out the diamond necklace was gone. They went searching and looking but they were not able to find it.

"By the end of a week they had lost all hope.
Loisel, who had aged five years, declared:
"We must see about replacing the diamonds."

"He did borrow Money getting a thousand from one man, five hundred from another, five louis here, three louis there. He gave notes of hand, entered into ruinous agreements, did business with usurers and the whole tribe of money-lenders. He mortgaged the whole remaining years of his existence, risked his signature without even knowing it he could honour it, and, appalled at the agonising face of the future, at the black misery about to fall upon him"

"She came to know the heavy work of the house, the hateful duties of the kitchen. She washed the plates, wearing out her pink nails on the coarse pottery and the bottoms of pans. She washed the dirty linen, the shirts and dish-cloths, and hung them out to dry on a string; every morning she took the dustbin down into the street and carried up the water, stopping on each landing to get her breath. And, clad like a poor woman, she went to the fruiterer, to the grocer, to the butcher, a basket on her arm, haggling, insulted, fighting for every wretched halfpenny of her money"

And this life lasted ten years

After ten years everything was paid off. She looks very old because of all the hard work.

One Sunday, she caught sight suddenly of a woman who was taking a child out for a walk. It was her friend. still young, still beautiful, still attractive.
She went up to her.
"Good morning, Jeanne."
The other did not recognise her, and was surprised at being thus familiarly addressed by a poor woman.
"But . . . Madame . . ." she stammered. "I don't know . . . you must be making a mistake."
"No . . . I am Mathilde Loisel."
Her friend uttered a cry.
"Oh! . . . my poor Mathilde, how you have changed! . . ."
"Yes, I've had some hard times since I saw you last; and many sorrows . . . and all on your account."
"On my account! . . . How was that?"
"You remember the diamond necklace you lent me for the ball at the Ministry?"
"Yes. Well?"
"Well, I lost it."
"How could you? Why, you brought it back."
"I brought you another one just like it. And for the last ten years we have been paying for it. You realise it wasn't easy for us; we had no money. . . . Well, it's paid for at last, and I'm glad indeed."
Madame Forestier had halted.
"You say you bought a diamond necklace to replace mine?"
"Yes. You hadn't noticed it? They were very much alike."
And she smiled in proud and innocent happiness.
Madame Forestier, deeply moved, took her two hands.
"Oh, my poor Mathilde! But mine was FAKE!

See That my Point here is that We should not compare our life to someone else. It's natural for a person to get jealous. It's in our nature but we should not let it ruin our life. People are different from one another. Other people might be rich but are they completely happy? Think about all the wonderful things that you have that other people don't have. Happiness is also about being contented, Humble life.

Posted by: Sin Nombre