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Most people know that their credit score plays an important role in their lives. This is the easy part; the more difficult part is actually understanding the credit score breakdown A.J. Carter Jersey , or what goes into a credit score. There are a few different methods for calculating credit scores but the most commonly used is the FICO method that has been used since the 1980's. The FICO method was developed by the Fair Isaac Corporation and the three big credit bureaus, TransUnion, Equifax and Experian Cheap Arizona State Sun Devils Jerseys , all worked together with Fair Isaac to develop this method.

A persons credit score can range anywhere between 300 and 850. The average American score is around 690 which is a reasonably good score. Having the average score of 690 will enable you to secure a loan, however it will not get you the best interest rate on your loans.

Let's take a look at the credit score breakdown.

The first factor is payment history. Payment history makes up 35% of the credit score. This is calculated based on whether you pay your bills on time or not and how many late or missed payments have been forwarded to collection agencies. It also considers if you have had any bankruptcies or tax liens. It can be difficult sometimes to meet financial deadlines if you get a heap of bills all come in at once but just remember that a missed payment is much worse than a late payment regarding your credit score. Missing a mortgage payment will affect your credit score much worse than missing a bill payment or credit card payment so always have your mortgage payment as first priority.

Next there is outstanding debt to consider and this accounts for 30% of your credit score. If you have a number of credit cards and they are all maxed out then this will have a very negative effect on your score, but if you have a number of credits that all have a lot of credit still available then this will work in your favor. Outstanding debt considers the amount of credit outstanding in relation to the amount of credit available to you. It can help your credit score to have a few credit cards that are not being used but simply to give you available credit to increase your score.

Credit Longevity is the next point that is considered when determining your credit score. How long you have established credit counts for 15% of your score. The longer you can maintain good credit and continue to pay your bills on time then the better it is for your credit rating.

Next there are the types of credit to consider. Around 10% of the score is related to the number of different types of credit that you have. If you have multiple types of credit Ty Thomas Sun Devils Jersey , such as mortgage, car loan and credit card, and all are managed well then this will help with your credit score.

Amount of activity is the last factor to consider. Opening new credits card accounts to leave unused to increase your credit score is good Shannon Forman Sun Devils Jersey , but not if you open too many new accounts at once. If you have too much activity happening in a short period of time this will negatively affect your score.

When you understand what is involved in the credit score breakdown then you can take steps to improve your score.

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It Is Time to Track How You Spend Your Time Computers Articles | September 30, 2011

Procrastination is the one problem among freelance workers. This habit could translate to loss of clients and low quality work output. They have to give up this poor behavior and realize that it is time to track their work hours to become financially secure and professionally stable.

Regardless of how many times you have already computed the number of hours you spent for the whole project against the amount of dollars you have received Ryan Kelley Sun Devils Jersey , you still came up with a conclusion that you did not deserve the payment because it paid your time too low. Really? Maybe you just did not spend your time wisely. Honestly, you should be guilty of this because instead of focusing on your tasks, you keep on leaving your computer to do other things. For this reason D. J. Foster Sun Devils Jersey , you must realize that it is already time to track the amount you spend and dedicate on your projects.


Sometimes, freelance workers like you have your own definition of "working at your own pace". You think that because you have a hold of your own time, you can do your assignments at your own pace?no matter how long it takes before they are done. But truth is that what separates a freelance like you from an office worker is that you are not in the office Mike Bercovici Sun Devils Jersey , sitting on your desk for eight hours. You are your own boss. But to earn and to succeed in this kind of career, you must still value your time.


As you motivate yourself that it is high time to track your work hours, shop for online time tracking software. You may opt for a free application or buy one for a minimal cost to be able to acquire the one that has more features. One thing that you have to make sure though is that it must be easy to use. At first James Harden Sun Devils Jersey , you may find it boring, as well as disturbing, to do Will Sutton Sun Devils Jersey , but as you see the results of this method, you will thank yourself for doing the right choice.


Time tracker is not only about giving value to your time. It is also about developing a good working attitude, as well as earning the trust and respect of your clients. In addition Pat Tillman Sun Devils Jersey , learning to track time will surely improve your productivity and thereby increasing your monthly income.


Do not make your career miserable by enjoying your habit of procrastination. It is time to track how you work. Learn how to monitor the number of hours that you spend performing your tasks so you know if you deserve your pay. Likewise, th. Cheap Jerseys Cheap Jerseys Discount Cheap Jerseys Wholesale Cheap Jerseys Online Cheap Replica Jerseys Cheap Jerseys China Wholesale Cheap Jerseys China Wholesale Cheap NHL Jerseys China Wholesale NFL Jerseys Wholesale Basketball Jerseys

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