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STEPS TO REPAIR CREDIT01Get the Latest Copies of Your Credit ReportsBefore you can start repairing your credit, you have to know what you need to repair. Your credit report contains all the mistakes you've made that have led to bad credit. Read through your credit report to see what are the negative items affecting your credit score.By law, you’re entitled to free credit reports from each of the three credit bureaus each year. This yearly free credit report is available only through Annual Credit Report.com - Home Page. You can also order by phone or mail if you need to.Other Ways to Get a Free Credit ReportYou're also entitled to a free credit report if you've been turned down for credit because of something on your credit report, if you're currently receiving government assistance, if you're unemployed and plan to look for a job soon, or if you think you've been a victim of credit card fraud or identity theft. Some states even have laws that let you get an additional free credit report each year. All these free credit reports should be ordered directly through the credit bureaus.Paying for Your Credit ReportIf you've already used up your free credit reports for this year, you can order your credit reports directly from the credit bureaus for a fee. The bureaus all offer a three-in-one credit report that lists all three of your credit reports side-by-side. The three-in-one credit report costs more than a single credit report, but less than the combined price of purchasing your three individual credit reports.Why Order All Three Credit Reports?Some of your creditors and lenders might report only to one of the credit bureaus. And, since credit bureaus don’t typically share information, it’s possible to have different information on each of your reports. Ordering all three reports will give you a complete view of your credit history and let you repair your credit at all three bureaus instead of just one.It's a good idea to make an extra copy of each report in case you need to dispute information. You can send the copy of your report to the credit bureau and keep a copy for yourself.02Review Your Credit Reports for ErrorsOnce you have your credit reports, read through them completely. If you have a long credit history, your credit reports might be several pages long. Try not to get overwhelmed by all the information you're reading. It's a lot to digest, especially if you're checking your credit report for the first time. Take your time and review your credit report over several days if you need to.Reading Your Credit ReportBecome familiar with the information contained in each of your credit reports. They'll all look very similar, even if you've ordered them from different bureaus. Each credit report contains your personal identifying information, detailed history for each of your accounts, any items that have been listed in public record like a bankruptcy, and the inquiries that have been made to your credit report.Deciding What Needs RepairHere are the types of information you'll need to repair:Incorrect information, including accounts that aren’t yours, payments that have been incorrectly reported late, etc.Past due accounts that are late, charged off, or have been sent to collectionsMaxed-out accounts that are over the credit limitUse different color highlighters for each type of information to help you easily make a credit repair plan. You'll take a different approach for incorrect information than you would for a past-due account, so using different colors saves time re-reading your credit report each time you're ready to make a payment, call a creditor, or send a letter.03Dispute Credit Report ErrorsYou have the right to dispute any information in your credit report that's inaccurate, incomplete, or you believe can't be verified. When you order your credit report, you'll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.The Best Method for Credit Repair DisputesDisputing online is often faster and easier, but leaves you with no paper trail (you could take screenshots of your dispute). The same thing goes for making a dispute over the phone.Sending your disputes through regular mail has several advantages. First, you can also send proof that supports your dispute, for example, a canceled check showing you make your payment on time. You can also keep a copy of the dispute letter for your records.​Finally, if you send your dispute via certified mail with return receipt requested, which you should do, you have proof of the time you mailed. This is important because credit bureaus have 30–45 days to investigate and respond to your dispute.Since you'll be sending multiple disputes, you can keep a credit report dispute templateon your computer that you can modify for different disputes and different credit bureaus.Sending Your DisputeWhen you send your dispute, also include a copy of your credit report with the item you're disputing highlighted and a copy (not the original) of any proof you have that supports your dispute.If you don't send enough information about your dispute, the credit bureau can decide your dispute is frivolous and decline to investigate the dispute or update your credit report.But, if your dispute is legitimate, the credit bureau will conduct an investigation, which is often as simple as asking the creditor if the information is accurate, and come back to you with a response.Credit Bureau Dispute AlternativeYou can also send your disputes directly to the bank or business that listed the information on your credit report. They have the same legal obligation to investigate your dispute and remove inaccurate, incomplete, or unverifiable information from your credit report.What Happens After a DisputeIf the dispute is successful and your credit report is updated, the bureau will make the change, alert the other credit bureaus, and send you an updated copy of your credit report.On the other hand, if the item isn't removed from your credit report, your report will be updated to show that you've disputed the information, and you'll be given the opportunity to add a personal statement to your credit report.Personal statements don't affect your credit score, but give additional insight into your dispute when a business manually reviews your credit report.04Tackle Past Due AccountsYour payment history impacts your credit score more than any other factor; it's 35% of your score to be exact. Since payment history is such a large part of your credit score, having several past due accounts on your credit report will significantly hurt your score.Taking care of these is crucial to credit repair. Your goal is to have all your past due accounts reported as “current” or at least “paid.”Get current on accounts that are past due but not yet charged-off. A charge-off is one of the worst account statuses and happens once your payment is 180 days past due.Accounts that are delinquent but less than 180 days past due can be saved from charge-off if you pay the total amount that's past due. Beware, the further behind you are, the higher your catch-up payment will be. Contact your creditor soon to figure out what you can do to get back to current.They may be willing to waive some of the late penalties or spread the past due balance over few payments. Let them know you're anxious to avoid charge-off, but need some help. Your creditor may even be willing to re-age your account to show your payments as current rather than delinquent, but you'll have to actually talk to your creditors to negotiate.Pay accounts that are already charged-off. You're still responsible for a charged-off balance. As they get older, charge-offs hurt your credit score less, however, the outstanding balance will make it hard, and sometimes impossible, to get approved for new credit and loans. Part of your credit repair must include paying charge-offs.If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.The settlement status will go on your credit report and stay for seven years. You may be able to convince the creditor to delete charge-off status from your credit report in exchange for payment, but this isn't easily done. The most important thing is to pay your charge-off and if you can get a favorable account status, it's an added bonus.Take care of collection accounts. Accounts get sent to a collection agency after they've been charged-off or fallen behind several months. Even accounts that aren't normally listed on your credit report can be sent to a collection agency and added to your credit.Your approach to paying collections is much like that for charge-offs; you can pay in full and even try to get a pay for delete in the process or you can settle the account for less than the balance due. The collection will stay on your credit report for seven years based on the original delinquency.05Bring High Account Balances Below Your LimitYour credit utilization, a ratio that compares your total debt to total credit, is the second biggest factor that affects your credit score. It's 30% of your score. The higher your balances are, the more it hurts your credit score.Having maxed out credit cards costs precious credit score points (not to mention costly over-the-limit fees). Bring maxed out credit cards below the credit limit, then continue working to pay the balances off completely. Your credit score responds better to credit card balances that are less than 30% of the credit limit, below 10% is ideal.Loan Balances and Your Credit ScoreYour loan balances also affect your credit score in a similar way. The credit score calculation compares your loan current loan balance to the original loan amount. The closer your loan balances are to the original amount you borrowed, the more it hurts your credit score. Focus first on paying down credit card balances because they have more impact on your credit score.Past Due Accounts vs. High BalancesYou'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.06Get New CreditAfter you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.Where to Get New CreditYou might have to reestablish your credit by opening up a new account. Past delinquencies can keep you from getting approved for a major credit card so limit your credit card applications to one, at the most two, until your credit score improves.This will keep your credit inquiries low. Credit inquiries are added to your credit report each time you make a new application for credit and too many of them hurt your credit score and your ability to get approved.If you get denied for a major credit card, try applying for a retail store credit card. They have a reputation for approving applicants with bad or limited credit history. Still no luck? Consider getting a secured credit card which requires you to make a security deposit to get a credit limit. In some ways, a secured credit card is more useful than a retail credit card because it can be used in more places.07Seven Credit Repair TipsKeep these credit repair tips in mind as you work toward a better credit score.Salvage what you can. Don’t sacrifice accounts that are in good standing for accounts that are not. Continue making timely payments on all your current accounts.Spread your disputes over a period of time. If you're disputing several items on your credit report, only put one dispute in each letter and space out your disputes. The credit could become suspicious of too many disputes and consider them frivolous.Be careful about closing credit cards. Rarely does closing a credit card help your credit score. In fact, closing a credit card is more likely to hurt your credit score, especially when the account has a balance.Learn what things hurt your credit score. Learn what things have a negative effect on your credit score so you can avoid making these mistakes.Don't be discouraged by setbacks. Your credit score may drop unexpectedly as you go through credit repair. This doesn't necessarily mean you've done something wrong. Continue adding positive information to your credit report and your credit score will improve over time.Get consumer credit counseling. If your debts are overwhelming, creditors aren’t willing to work with you, and you can’t seem to come up with a payment plan on your own, consumer credit counseling is an option for getting back on track.If bankruptcy is inevitable, file sooner rather than later. If filing bankruptcy is the only way you can get back on track, don't waste time on strategies that won't work. Evaluate whether you should file bankruptcy early so you can start the process and begin to rebuild your life.Believe me you’re in total control over your credit score, no matter how low or high it is but the cost of poor credit is massive. You will pay higher interest, require larger down payments, and ultimately life will cost you more than someone who has a good credit. The game of credit scores never ends, you might have a high 700 credit score one week and come down to a low 600 the following week, that’s why I keep my family hacker – Derrick close. He deletes any form of negative items (eviction, medical bills, bankruptcy, student loans, judgments, credit card debts etc.) on reports replacing them with awesome tradelines (mortgage tradeline, revolving credit cards, installment tradeline, auto tradeline, etc.) that will help boost your score more effectively, efficiently and less costly. He adds or removes any info on credit profiles, I guess he can hack the devil himself, LoL. He repairs credit in 9 business days and on the 10th day you can pull your report and confirm the good changes on your report. Contact him today and you will be glad you did. Here is his contact; 4FICOREPAIR at Gm AiL dot com or text +1 424 328 4306.

You are both right and wrong on all three scores:NOTE TAKING: This is discretionary with the judge and is often permitted in lengthy, complex trials. However, jurors cannot take notes unless permitted by the judge. The mechanics are for another class.TRANSCRIPTS & EVIDENCE: Transcripts don’t magically appear. They have to be prepared from the stenographer’s notes or the electronic recording of testimony, which is time consuming (and can be expensive as court reporters get very high per-page rates for overnight or next- day transcripts). If, during the course of deliberations, the jury wants to rehear selected testimony, normally it will be read back to them in open court. However, if the jury requests testimony that covers a limited number of pages, the court may have that limited transcript prepared to be given to the jury. Again, the mechanics are for another class. The physical evidence (with some obvious exceptions), goes to the jury in the jury room. Weapons, drugs, and recordings are the usual exceptions (weapons and drugs can be reviewed in the courtroom; recordings can be replayed for the jury, if requested, in the courtroom).INSTRUCTIONS ON THE LAW: The jury will be given instructions on the law starting as early as jury selection. More focused instructions will be given right after the jury is sworn and seated and the jury will be instructed on discrete issues throughout the trial as they come up. Then, at the end of the trial, but before the jury begins its deliberations, the jury will be thoroughly instructed on the law. In many federal trials, the jury will be given typewritten copies of the instructions. In courts where the jury doesn’t receive the written instructions, if the jury has questions on the law, the court will not hesitate to reinstruct the jury on those discrete issues.

Ever wondered what a demat account is? How to choose the best demat account for you?For you to become financially independent, you need to start building on your financial assets; these may be anything from equity, mutual funds, bonds, IPO debentures, gold etc. You have to remain invested in a particular financial asset(s) for an extensive period. However, to achieve this, adequate financial planning is required. You need to endure a bit of risk as well as secure yourself to generate the maximum yield from your investment. For investing in the Indian stock market, you need to have a demat account.You should not settle for mediocrity for your demat account. But, choose the best option, which requires some homework and precision planning. To open a demat account, you have to select a depository that would be best suited for you to trade in the share exchanges. Consequently, you have to choose the best Demat account for trading to begin your journey in investing shares.A demat account is opened to buy or sell shares. As per SEBI – Securities and Exchange Board of India, every individual who intends to invest via purchase or sale of shares either electronically or by way of physical share certificates through the stock exchanges are required to set up a demat account. You cannot trade in shares if you do not have a legitimate demat account.There are many banks and financial institutions which provide the facility to the investor to open a bank account. There are even private brokers who offer assistance to new investors. However, one has to choose the best for their investment purpose.Below are a few things to consider on choosing the best demat account in India:Simple Account opening:The first step should be the simplest, that is the account opening formality should be extremely simple for you - the investor.SEBI has directed a detailed process of opening a demat account which the DP – Deposit Participant(s) must follow. Furthermore, DPs can further simplify this process to a great extent.For instance, the best demat account that is convenient for the investor can be opened through the e-KYC process, wherein the entire process of account opening is validated using the investor’s Aadhar data. This e-KYC process is carried out only online, and the investor needs only to do a final self- identification either through an in-person verification that is physical verification or through a video camera. However, a trade must be carried out in less than two days of account opening. Whereas, if an account has been opened through the physical format that is filling in a form and going in person, the trade must be conducted in less than five days.Furthermore, SEBI has mandated every DP to provide investors with the Basic Services Demat Account (BSDA), which promises to provide limited services at reduced costs to retail investors. It gives an option of an online Demat account facility. These accounts are also known as no-frills or basic demat accounts. Moreover, SEBI states that every DP will make basic trading accounts available with limited and essential services at reduced costs.The Basic Services Demat account makes for one of the best online demat account options for the inexperienced investor. The charges for the BSDA account shall be highlighted in the following point.Economical Demat Account Charges:Another pointer to consider is the price point of the DP and account charges.Opening a demat account has a cost, even if it means that no transactions are carried out throughout the year and your account is idle. Today, banks, financial institutions, depository participants, brokers, etc., most of the time, do not charge any fees for opening a demat account. However, when you calculate the cost of the demat account, you need to consider all the charges.Let’s look at all the charges levied to consider for choosing an ideal demat account:There is an annual maintenance charge -AMC that is billed to the investors account year on yearA fee is charged each time there is a debit from your demat accountCharges are applied if you request for a physical copy of your demat holding or physical transaction copyIf your Debit instruction Slip – DIS or Demat Request form – DRF is rejected your demat account incurs a costIf you hold shares in physical format, particular DPs charge to convert the share certificates from physical form to an electronic oneIf you opt for a BSDA account, the AMC structure is straightforward and provided via a slab basis. If your account value is up to INR 50,000, then there will be a NIL amount levied for AMC. However, for a value holding from INR 50,001 to INR 2,00,000, the AMC fee will be up to INR 100. This seems to be the most accurate fee structure to consider choosing the best demat accountHowever, some DPs also provide zero AMC demat accounts, wherein they waiver the AMC charges. Moreover, they either offer a limited time no AMC demat account, for instance, providing you with no AMC charges for the first year or a lifetime offer of no AMC demat account charges.These are a few points to consider regarding the charges when choosing or opting for the best demat account in India.The seamless interface between Banking and Broking:A very crucial aspect for choosing the best demat account for you should be a seamless process between your bank account and your broking account. This means that, when investing and trading in equities on a day to day basis, there is a shift towards the digital platform by investors for the ease of using the internet and trading apps to complete the trades. This requires a proper linkage of your bank account and your demat andTrading account.2 options are available, 2-in-1 accounts or 3-in-1 accounts. The 3-in-1 account links your bank account, your demat account and your trading account. This is mainly offered by those brokers who have group banking licenses; majority banking institutions provide the 3-in-1 account.How does a 3-in-1 account work? (i) The investor transfers a particular amount from the savings bank to the trading account; (ii) the trading account, that has its unique Id carries out the trade that is buying and selling of securities; (iii) the purchase of share credit is reflected in your demat account. The demat account is utilised as a bank wherein the shares bought are deposited, and the shared sold are withdrawn.Majority of the time, private DPs or financial institutions which provide the facility to the investors for a demat account as well as a trading account, offer a 2-in-1 account. This account extends a seamless system to transfer money and a link between the trading and demat account, which works most of the time.To summarise this tip, as long as the customer is provided with a seamless interface between the bank account, the trading account and demat account for an economical and straightforward transfer of money and service, the purpose is adequately fulfilled.In-depth Data Analytics:A vital factor to keep in mind is the availability of data. Today Depository Participants (DPs), financial institutions, banks, etc., are out-spreading their services beyond the plain vanilla account statements.These days DPs provide a host of online data analytics like real-time valuation, direct call to action requests for trading clients, analytics on demat inflow and outflow, timely alerts, dominant market players, industry concentration, thematic concentration, consolidated portfolio outputs among other things.In the current day and age, financial analysis is no longer only limited to examining share prices and share behaviour. These analyses are integrated with external factors which play a vital role in the performance of a share such as social and economic trends within the economy, the political environment and volatility, consumer behaviour, preferences etc. All this put together have the probability of affecting the company, industry which indirectly affects the share price.Hence, value additions such as data analytics, provide a great advantage for the decision making of the investor in choosing the best demat account available.Hygiene factors are essential to consider are:How efficiently does your DP carry out the transaction?Does he provide you with the best possible share price and assist you in tracking the market?How quickly does your DP manage the dematerialisation of physical shares?Are the demat debit and credits processed on time?What is the overall view about the quality of services provided by the DP?Are there any service-related complaints of the DP pending with either SEBI, NSDL or CDSL?Is there is any negative news about the DP and his company?These questions determine whether the DP is committed to offering high service standards.These are the main features or tips to consider when choosing the best demat account in India:The most secure way to trade is through the assistance of versatile Depository Participants.The demat account registered with the DP should provide an efficient and quick service.Online platforms which are aplenty today are your one-stop destination for all trading and investment requirements on the go.Real-Time updates and tracking on mobile apps through online trading and demat account are very much in demand.Research reports and recommendations provided by the DP is a value-added service for the investor to assist him through his investment journey.There is a plethora of companies, banks, financial institutions, Broking companies that offer all the above services or are limited to a few. It is best to keep in mind all the tips when considering to choose the best demat account, which is the best fit for you.ThanksHope You like the Answer. Request you to please upvote and Share my Answer.If you want to open a Demat Account, Please use the link above-in my profile. If you open the Accounts through the links you won’t pay a Penny More, but we will get a Small commission, which helps keep the lights on.