Car Art

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If your credit score could use a boost, a credit repair specialist may seem like the best solution. But don’t even think about hiring one until you read this.

You’ve probably heard myths that suggest that credit repair specialists have some divine dispensation with the credit bureaus. They don’t. Far from it. In fact, in a minute, we’ll show you why they have less leverage over your credit file than you do.

The sad truth about the credit repair clinic industry — and it is an industry — is that many of these so-called credit repair specialists are scam artists, and the ones that aren’t will be using the exact same techniques to repair your credit score that you can wield more effectively — and safer — yourself. And they’ll charge you at least $750 to $1000 for their “expertise.”

Now for those dirty little secrets…

Dirty Little Secret #1: If a credit bureau suspects that your dispute is being filed by a credit repair clinic, they’ll trash it.

Dirty Little Secret #2: Credit repair specialists may be in cahoots with your creditors. Many of them are secretly paid as much as 15% by the creditor to reach a so-called “debt settlement!” Who do you think comes out ahead in that scenario? Not you! Such credit repair clinics are the worst kind of predator, exploiting their client’s financial woes.

Dirty Little Secret #3: Credit repair specialists usually won’t give you access to their correspondence with the credit bureaus on your behalf. Why? Here are a few reasons:

(1) They don’t want you to know how easy it actually is to do your own credit repair, and wonder why you’re paying them.

(2) If they resort to boilerplate dispute letters (which will just likely end up in credit bureaus’ trash cans), they don’t want you to see their boilerplate letters.

(3) The ones who are scamming you — only pretending to correspond with the credit bureau on your behalf — surely don’t want you to know they’re not doing much in exchange for the hard-earned fee you forked over.

If you do hire a credit repair clinic to represent your interests, make sure that they are, in fact, representing your interests. Force them to detail their plan of action. Don’t sign until they agree to provide you with copies of all correspondence with the credit bureaus.

Remember: your goal is to take control of your finances again, instead of letting your creditors, a credit repair specialist, or the credit bureaus control your financial health. Don’t rely on anyone who isn’t personally vested in your financial health — and doesn’t even necessarily have your best interests at heart — to fix your credit score.

Entrepreneur Advisory’s advice? Do your own credit repair work. We can help. To see how, check out the resource box below.

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Sometimes when you stand at the rental car company counter when you need to rent a car you may feel a little bit confused with the options given by the agent, Do you say no to all of them? or yes? in this article you can find some tips to help you take the best decision.

The first and most important action you have to take is look around on internet. Most of the car rental companies have a website where you can see what rates, terms and conditions, restrictions, size of cars they have and a lot more information you can review at your own pace in the comfort of your home or office before being in front of the agent who will try to sell you services or car sizes you really will not need.

Do the math first, if you find an unbelievably low rate, you may find that is not really that low when everything is said and done, you need to clarify what taxes, surcharges or other fees you're expected to pay and lookout for extras like airport fees you may be asked to pay.

Keep your eyes open and hunt for deals. Car rental companies always offer weekend or weekday special rates, keep looking for those promotions and try to find discount or promotional codes.

You really need a full size car? if not, go economy or compact. This kind of vehicles are the most popular, companies run out of economy models very often, in this case you may have a free upgrade to a full size car, but if not you will get your car anyway, it worths to try.

See if there are restrictions about where you can take your car and how may miles are included, some companies offer unlimited mileage but you can not take the car out of the state for example, if you do that you may have to pay extras , increasing your final cost.

Do not prepay for gas, fill the tank yourself, because with that kind of deals you get a higher price.

Get the minimum insurance possible, the company will offer you a lot of extra insurance you will rarely need, you can use your credit card protection, major credit cards offer CDW for renting a car, also your regular car insurance may cover the rented one too , check your insurance coverage first.

Finally, be always on time. Car rental companies charge you a lot if you return the car only a few hours later, you can pay what you pay for the whole day even if you return it 30 minutes later.

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Does this sound familiar? You've been thinking about getting a new car for ages but you've never quite gotten round to taking the plunge. There are always other things that need to be paid for – every day bills, that summer holiday you've booked, and even some new clothes to keep up appearances in your job.

If you're in this situation right now then it might be time to sit down and create a plan of action to help you turn that new car into a reality. Block off a few hours where you will not be disturbed, grab a pen and a notepad and use the following steps to get you closer to your goal.

The first area to look at is your household bills. You can often save a lot of money here. Make a note of what you currently pay and go online to do a price check to see how much you could reduce your payments by if you swapped companies. Keep this saving in mind as it can be put towards paying for your new car. The same applies to any credit card bills you have. If you do not pay the balance in full every month you could be paying a fortune in interest. Move the balance to an interest free card and you'll free up another sum of money to fund the purchase of your next car.

You can also approach the issue of finding the money for a new car from another angle. There are plenty of excellent value car finance deals on the market which will enable you to get your next car much sooner than you think. If you combine a good car finance option with the money saving tips mentioned above you will probably find your monthly payments can be met with the money you've saved.

You can also save money quite easily by shopping around for your car insurance. If you can get an idea in advance of the type of car you want to buy, you'll be able to get rough quotes to go on when you're figuring out what your outgoings are likely to be on your new vehicle each month. In this sense the repayments on your car finance agreement will not be the only thing to consider. You could find that by changing the type of car you buy and reducing your insurance payments (and possibly even paying less in road tax) you could afford a newer car than you'd otherwise be able to.

In short, whatever financial situation you are in it's more than possible to buy a new car if you take the time to work things out in your favor. All you need is perseverance, the right information and the best finance quotes you can find.

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