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Image from web page 220 of “A history associated with United States” (1913)
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Identifier: historyofuniteds02bour
Title: A history of the usa
Year: 1913 (1910s)
Writers: Bourne, Henry Eldridge, 1862- Benton, Elbert Jay, 1871-1946, shared writer
Publisher: Boston, Nyc [etc.] D.C. Heath and business
Adding Library: The Library of Congress
Digitizing Sponsor: Sloan Foundation

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need of products, sent to Bennington, Vermont.This army had been nearly totally destroyed by John StarksNew Hampshire minute-men and their particular next-door neighbors, the GreenMountain Boys. On October 17, 1777, near Saratoga, Burgoyne surrendered,though perhaps not until he’d made several desperate attempts tofight their way out for the trap. His military, which 6,000 menremained, 50 % of them Germans, became prisoners. Allsorts of materials in addition dropped in to the fingers for the colonial troops.The capture of a complete British army loaded the colonistswith passionate hopes. It encouraged the opponents ofGreat Britain in Europe. The credit of success belongedto General Schuyler, however it was handed to General Gates,whom Congress had put into demand before the campaignended. Capture of Philadelphia. — Meanwhile General Howe hadsucceeded inside the promotion against Philadelphia. He hadbegun their march through the mind of Chesapeake Bay about thefirst of September. Washington experimented with check him at CAPTURE OF PHILADELPHIA 20I

Text Appearing After-image:
Brandywine Creek, but ended up being defectively beaten. Nevertheless,he afterwards managed their military so well so it took Howetwo months to march the last twenty-six miles. Philadelphiawas occupied September 26. It was now far too late going toBurgoynes relief. In 1777 the Britishtook a city and lost an army. CONCERNS 1. Exactly what did the colonists thinlc in 1775 aboutseparation from The united kingdomt? Just what things changedtheir minds by 1776? 2. whom composed the Declaration of Independence?What made it happen say? Which opposed freedom?the reason why did they oppose self-reliance? Were theremany of these? 3. the reason why performed the colonists need make overtheir governments? Why performed individuals of Connect-icut and Rhode Island need to make a lot fewer changesin federal government? 4. What did the colonists invest their consti-tutions? Why did they take many abilities far from their particular governors andgive all of them towards legislatures? The reason why performed they fix brief terms for theirlegislators? Just how else performed they guard against overbearing or tyrannicalofficers? What old-world customs did

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Image from web page 1541 of “The Post-Office yearly Glasgow directory” (1828)
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Image by online Archive Book Images
Identifier: postofficeannual189394gla
Title: The Post-Office annual Glasgow directory site
Year: 1828 (1820s)
Publisher: Glasgow : imprinted by J. Graham for the letter-carriers of Post-Office
Contributing Library: National Library of Scotland
Digitizing Sponsor: National Library of Scotland

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SERVE rUND, £30,000. MIND OFFICE-43 THREADNEEDLE STREET, LONDON, E.C. DIRECTORS. Chairman—William Fowler. Deputy-Chairman—Colonel John T. North. Francis James Eck. | George Fleming. Richard Robertson Lockett. General Manager—John Dawson. Secretary—William H. Beeet. Bankers—Messrs. Barclay, Bevan, Teitton, Ransom, Bouverie and Co. Messrs. N. M. Rothschild and Sons. BRANCHES IN CHILI.VALPARAISO,… … … … … Manager—Edmund IAnson. IQUIQUE, … … … … … „ R. Simpson Shaw. PISAGUA, … … … … … „ George Fowler. Cable Transfers, Drafts, and Letters of Credit granted on Chili. The purchase and purchase of Funds undei-Itaken; in addition the bill of Dividends, the negotiation and collection of Bills of Exchange, Coupons, and DrawnBonds, also Banking business. Present Accounts exposed and Deposits gotten for fixed durations, onterms which might be ascertained on application. 176 ADVERTISEMENTS. Insure against all Accidents. ESTABLISHED ^^HTinsurance c°I^^^ 18 82

Text Appearing After-image:
CAPITAL, £100,000. administrators. president Andebw J. Kiekpatrick, Esq., Vendor, Glasgow Deputy-Chairman Wm. Greig, Esq., Wholesale Chemist, Glasgow Dugald MDougall, Esq., Steamship Owner,;Greenock, John G. MKendrick, Esq., M.D., LL.D., F.R.S., Professor of Institutes of Medicine,University of Glasgow.Donald MPhee, Esq., Fort-William. R. W. THOMPSON, General Management and Secretary W. K. Dick, Esq., Vendor Glasgow, EICHD. W. HUIE, F.B.I. Scot., Besident Secretary. GENERAL ACCIDENT INSURANCE.—Policies granted addressing Accidents of aUkinds, including Railway Accidents. Premiums paid off 10 percent, after 5 years. TotalAbstainers insured at reduced rates. Transfers effected without reduction to guaranteed. PLATE CLASS INSURANCE.—Moderate premiums. Prompt replacements. Esti-mates given no-cost. BUSINESSES LIABILITY INSURANCE.—Employers, by insuring, tend to be freed frompayment of problems for their employees beneath the Act of 1880, as they are in addition relieved of alllegal along with other costs that may he incur

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Image from page 682 of “Narrative of expedition of an US squadron on China seas and Japan” (1857)
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Identifier: narrativeofexped05perr
Title: Narrative associated with the expedition of an United states squadron towards the China seas and Japan
Year: 1857 (1850s)
Writers: Perry, Matthew Calbraith, 1794-1858 Hawks, Francis L. (Francis Lister), 1798-1866
Subjects: United States Naval Journey to Japan (1852-1854)
Publisher: New York, D. Appleton and business [etc., etc.]
Contributing Library: The Library of Congress
Digitizing Sponsor: The Library of Congress

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a says, all whom get to the blissful land will be-come in order that they cannot be made to transmigrate, (or transform for theworse.) The square post where these inscriptions had been slashed ended up being almost eightfeet in length, and close to the centre, at a convenient level become reached bythe hand, had been affixed, vertically, a wheel, which moved easily on an axlethat passed through post. Two little iron bands had been strung upon eachof the 3 spokes associated with the large wheel. Everyone which twisted this in-strument in moving was expected to acquire credit in heaven for just one ormore prayers from the post, the amount becoming graduated relating to thevigor associated with performers commitment, while the few revolutions effected.The jingle of this small metal rings was thought to secure the eye ofthe deity toward invocation of the devotional, and also the greater the sound, themore particular of its being listened to. This praying by wheel and axlewould appear to be ab muscles brilliance of a ceremonious religion, as it reduces

Text Appearing After-image:
1 ^M, llllllllliil llll l 1 1 Ijl 111 f 11 liii A x,^ A^i .1; > ^ PRAYING with MACHINERY. 515 it to a system of technical legislation, which,provided the equipment is held to be able,a result quickly acquired by just a little oil,moderate use, and occasional fixes, canbe easily performed with all the least possi-ble expenditure of man work, and withall that economic climate of time and thoughtwhich seems the fantastic reason for our ma-terial and technical age. Hue, in hisinteresting account of their moves in Thi-bet, talks of a marked improvement on themachine we have described, where in fact the ap-paratus ended up being switched by-water energy, andvery accordingly designs it a prayer mill.In the course of the development of the Jap-anese within the mechanical arts, this, withtheir usual ability in following brand-new im-provements, will undoubtedly be introduced,or possibly the more efficient power ofsteam may be put on their particular prayingmachines, along with the introduction ofsteamboats and railroads may commencean period of locomotive devotion. T

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Image from page 244 of “Our banner number, with 1197 flags in full colors and 300 extra pictures in black and white” (1917)
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Identifier: ourflagnumberwit00nati
Title: Our flag quantity, with 1197 flags entirely colors and 300 additional pictures in monochrome
12 Months: 1917 (1910s)
Writers: National Geographic Society (U.S.) McCandless, Byron, 1881- Grosvenor, Gilbert Hovey, 1875-1966
Topics: Flags — Usa Flags
Publisher: Washington, National Geographic Society
Contributing Library: New York Public Library
Digitizing Sponsor: MSN

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Text Appearing Before Image:
magazines. At the time of herloss she was in these types of good condition, she bade reasonable to outlast hercentury. The flag she initially wore, though in shreds, is stated tobe nonetheless around in brand new Bedford. In 1852, she had been hauledupon the Fairhaven railway for repairs, but no crucial im-provement or alteration inside her model was available. 1 Mrs. P. A. Hanaford inside her Field, Gunboat, Hospital, and Prison, helps you to spreadand perpetuate Mrs. Farrars incorrect declaration, and makes the further blunder ofcalling William Rotch the daddy of Mrs. Farrar, additionally the Maria a whale ship at thetime of the woman voyage to The united kingdomt. The pride and satisfaction of this venerable owner of this Maria had been all right, while he wasalso the master of the Bedford, and both vessels were commanded by Capt. Mooers. a The Maria, Wm. Mooers, master, sailed from Nantucket for London, seventh mo.4th, 1785. Wm. and Benj. Rotch, the daddy and bro of Wm. Rotch, Jun., onboard as guests, planning to establish the whale fishery from an English slot.

Text Appearing After Image:
BANNER OF THE UNITED STATES OF AMERICA. 215 After the woman voyage to London she was employed in the whalefishery, as well as fifty or sixty years was had by Samuel Rod-man of the latest Bedford and his descendants. Our illustrationrepresents the lady as she appeared in 1859.It is stated there then endured to her credit0,000, and she was in fact of no expenseto the girl underwriters but as soon as, after which onlyfor a trifling quantity. She once made twovoyages into Pacific in the shortspace of 2 yrs, coming back each timewith a complete cargo of oil. She concludedh/r first whaling voyage on 26th ofSept., 1795, and sailed from brand new Bed-ford on her twenty-seventh and final whalingvoyage under our flag regarding 29th of Sept.,1859. On these voyages she’s paid The Maria 1859. . V7, . , , , roentgen with having taken 24,419 drums of sperm,and 134 barrels of whale oil. In 1856, a Mr. Hardhitch ofFairhaven, whom sixty-four many years before had assisted in makingher a suit of sails, ended up being once more utilized on a single solution forher. Feb. 24, 1863

Note About Photos
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Old Capitol Repairs circa 1915?
credit repair
Image by Mississippi Division of Archives and Record
Collection: Daniel, Al Fred, Photo Range
Call quantity: PI/1999.0001
System ID: 103698.
Link to the catalog

Old Capitol Repairs circa 1915?

Please see our account web page for all about ordering.

Scanned as TIFF in 2010/09/08 by MDAH.

Credit: Courtesy of the Mississippi division of Archives and record

Best Credit Repair Services Based On Customer Reviews

Best Credit Repair Services Based On Customer Reviews
Let's be honest, it can be really hard to figure out whether a credit repair service is going to scam you or not. Many credit repair services aren't exactly forthcoming about predatory practices. Online reviews can help, but a lot of times those …
Read more on Huffington Post

How to identify and fix a bad credit score
If a lender does agree to extend you credit, you'll pay more in interest than someone who has a higher credit score. You won't qualify for 0% interest credit cards, for example, or personal loans at single-digit interest rates. You'll face subprime …
Read more on Christian Science Monitor

5 Do's and 4 Don'ts to Repair Your Credit
That's why so many people try to repair their credit. Many turn to professionals for help, but experts, including Money Talks News' Stacy Johnson, will tell you to be careful as there are many scammers out there. The Federal Trade Commission, for …
Read more on Money Talks News (blog)

Latest Credit Repair News

How to make facial hair grow faster: tips, tricks and myths
The body uses these hours to rebuild, repair and grow – and that includes facial hair. So, skimp on your forty winks and you'll be forgoing precious 'tache growing time. Whilst you sleep, your body also relaxes and this helps minimise stress. Any …

Credit Repair Companies: How To Avoid Being Scammed
There is a constant barrage of advertisements for credit repair companies on radio, television, print media and the Internet that target people with bad credit. They imply or directly promise that they can “fix” your credit or significantly raise and …
Read more on Forbes

Dealer Fraud: Car Repair Fraud

Dealer Fraud: Car Repair Fraud

Today modern automobiles are compound, highly technical machines. Many car owners have no idea on how to repair or maintain their own vehicle. This fact makes the process of deceiving consumers more easy and they become victims of car repair fraud.

Every owner of a vehicle should take precautions when taking a car to the repair shop. Here are the basic steps you should keep in mind:

• Require a written value before you authorize repairs – In most states it is necessary that a repair shop gives a written estimate when it exceeds $ 100 and contacts the car owner before exceeding the estimate by $ 10 or 10%, whichever is greater.

• Require a repair guarantee – As you are at the repair process, acquire all guarantees in the written form.

• Make a background check on the repair shop – Get some information about a repair shop. Before taking your car to the repair shop make certain they are registered with the state. Your state government has records of complaints filed against car shops. Examine them!

• Don’t overpay for unnecessary repairs – Never give instructions to the repair shop what repairs are needed unless you are sure your car needs these repairs, otherwise you will surely overpay.

• Take your car to different shops – Save hundreds of dollars by shopping around for the best deal.

• Find a car repair shop with certified auto mechanics – Do not hurry! Spend time to find an honest repair shop with certified professionals.

• Save money by asking for used parts – Do not forget to ask for your cars’ replaced parts.

• Does the repair shop look unprofessional or untidy? – As a rule all high-quality repair shops are clean and organized and their employees behave in a professional manner. Honest repair shops will never insist on making unnecessary repairs and will answer any questions you may ask and will surely provide written estimates and guarantees.

If you think you are a victim of vehicle repair fraud, contact LA dealer fraud attorney Hovanes Margarian for valuable advice and help.

Related Consumer Fraud Articles

Windshield Repair

Windshield Repair

There are times when there is a need for a windshield repair, or even replacement. Unfavorable circumstances may have brought about these times, and whether you like it or not, you have to succumb to these circumstances. Probably the worst circumstance would be an accident or a collision that resulted into a cracked or even damaged windshield. On a lighter note, fallen twigs and branches may cause cracks on the windshield. Still, dirty pranks played by some people may result to windshield cracks. Whatever the reason is, bottom line is a cracked windshield that needs to be repaired. However, for economic reasons, there are some people who would wait awhile and hold on to their windshield until such time that the windshields give up already. When this happens though, it may cause accidents to happen, and even injury.

Therefore, it is important to identify the right time for the windshield to be repaired or replaced. Identifying the perfect time may be a very difficult thing to do. After all, one could never predict as to how long can the windshield still last, such that it is important to consult the experts before it’s too late. Crack propagation is dictated by the size and the nature of the crack. For the experts, a single look at a crack would immediately enable them to know how serious the crack is. They would be the best persons to advise and schedule a windshield repair or replacement. Although, there are some windshields that can still be repaired, others have to be replaced. When this happens, one should be ready for the expenses that entail with it. The prices for windshield repairs vary depending on the degree of damage on the windshield. The quality of the craftsmanship also dictates the value of the repair. Most people would rather pay more for a job that is well done. A repaired windshield would certainly affect the resale value of a car, therefore finding excellent windshield repair jobs are necessary if one wants to preserve the value of his car.

In the United States alone, windshield repair has been a popular trade for the past years which may be due to an increasing number of reported accidents. Although accidents are not the only cause for windshield repairs, they are found to be the top on the list. Aside from cracks on the windshield, there are other factors which would require for a windshield repair. Some materials that are used as windshield, specifically glass is subject to climate change thus causing the material to react with these changes. Adverse reactions of some materials would be brittleness that permits the material to promulgate self-propagated cracks. When this happens, there is also a need for a windshield repair or replacement.

Latest Credit Repair News Responds to Pending Credit-Reporting Changes, a leading provider of credit report repair services, reacts favorably to the new agreement announced Monday between New York Attorney General Eric Schneiderman and the three biggest U.S. credit-reporting agencies, Equifax, Experian …
Read more on PR Web (press release)

Osborne prey to outside influence
Asking a clock repair shop for last-minute advice did look a bit desperate. But at least it made a change from the chancellor's usual approach: taking all the credit for the slightest bit of upbeat financial news. Surprising, too, given he had a ready …
Read more on The Times (subscription)

DIY Credit repair: Does It Really Work?

DIY Credit repair: Does It Really Work?
Chris has been in the mortgage business for over 12 years. During that time he has received multiple awards and is a respected industry speaker. Most recently, in 2011 and 2012, he was recognized by Mortgage Executive Magazine as being in the top 1% of …

Bad credit repair scams and ordering free credit reports
While the economy has been showing signs of improvement, your good name and reputation within the community has never been more important. Creditors have tightened their credit granting guidelines effectively barring millions of Americans from …

Auto Repair Financing

Auto Repair Financing

Having worked in the automotive repair business, I have seen some pretty outrageous repair bills. One of the hardest things to see is someone having financial trouble, blind sided by an unexpected car expense. It’s true the costs of automotive repair can be devastating, but with the help of auto repair financing, you can ease the strain on your wallet.

A car is most often the second largest purchase a person will make in their lifetime, the largest being their house. Just like a house, a car needs to be maintained in order to preserve it’s functionality. As we all know, the costs of maintaining a vehicle over the course of it’s lifetime, can sometimes add up to more than the original purchase price. It’s almost impossible to plan for every single repair expense, so auto repair financing can be a convenient option.

I first discovered car repair financing when I first started out in the repair business. Our economy was going through some tough times, and so we implemented a payment plan into our services. The idea was extremely successful, and helped out a lot of people who were in serious need of assistance. Eventually there would come a time when I took advantage of loans for automotive repair, and benefited greatly from them.

Loans for car repair allow you to take your mind off of your inevitable repair bills, and focus on the more important things in life. It’s always great to know that if you need help, someone or something is there to back you up. That’s exactly what car repair loans will do, they ease your mind and more importantly guarantee your vehicle is in proper working order. There is no point in spending all that money on your dream car, just to have it sit in the driveway because you can’t afford the repairs.

It should be known that auto repair financing is not the same thing as a vehicle warranty. A vehicle warranty is more like an insurance policy that you pay for up front. A loan for auto repair is much different, and in some cases better, because you don’t have to worry about covered repairs. As most of us know, insurance companies and warranty companies love to find any reason they can think of not to pay. Even with the best coverage, you might find that your repair might not be covered. With loans for auto repair, it doesn’t matter what the repair is, all that’s required is that you pay back the money based on the agreed terms.

As you can see, auto repair financing can be the perfect choice for those of us with mounting auto repair bills. Like with any loan, it’s best to do your research before entering into any type of agreement.

If you are interested in Auto Repair Financing or want more information on Loans For Auto Repair, you can read more on my blog.

How To Identify Credit Repair Problems

How To Identify Credit Repair Problems
There are lot of Credit Repair Companies that provides Credit Repair help for the individuals who have Bad credits; Even so, it doesnt mean that they can genuinely assist you fix Bad credit promptly. Many times, it can take few months to see the effect and cost you lots of money. In an attempt to get a loan there are many people who get hopeless and start searching for those Companies who can do work on their Credit Report and build it credit worthy.

It is genuine that there are lots of Companies who act on the Repair of reports and help people. The lot other factor is as well true that there are lot of Companies who advertize about themselves, so that naive people can be hooked off their nasty earned money. These are mostly scams, which mark people in despairing need for a loan.

Credit Bureaus or Consumer Credit Reporting Agencies accumulate or collect information about mortals, their borrowing habits, spending habits and repayment habits. The Credit Bureaus then send this information to loaners. This is surely not against any law. Credit Repair demands having obsolete, inaccurate or unverifiable info abstracted from the reports collected by the Credit Bureaus.

Credit Repair which is purely legal can better lower interest rates, Credit scores and save customers money. Companies which provide instant Credit Repair might be wastage of time and money. These companies might even give suggestions which are against the court law. Credit Repair which is very effective and legal, is definitely not a waste of time or money is not instant. The Federal Trade Commission urges that consumers must be aware of any Company which provides instant Credit Repair.

They try to place the Credit files of the individuals who have passed away or of the youth who are under the age group of 18. They as well try to place the files of individuals who are old and live on other states. They begin off by getting their Social security number. The agency steals the data away and utilizes it to make a new record for the individuals.

These kinds of organizations or companies come up with catchy and lofty advertisings which instantly catch the attention of the individuals. They are highly aggressive in their promise and style the customer to make a new account for them, in which there could be no shadows of the past. This is totally illegal which many of the people are not aware of. The consumer must take care of the construct that they dont fall prey to these types of companies, who are essentially involved in some or the other form of illegal activity. There are traditional procedures of working out on the Report.

How You Should Repair Your Three Credit Reports

How You Should Repair Your Three Credit Reports

When you want to start fixing a bad credit file, you should bear in mind that anything that needs attention but is ignored can backfire and ruin the whole repair process. Just think of the fact that you have three versions of credit reports: Experian, Equifax and Transunion. Knowing that your file are three-fold, you should never ignore giving adequate and equal attention to all of them when fixing damages done to your rating.

The three bureaus operate independently in spite of the fact that they function for the same purpose which is to gather reports made by information furnishers of different banks and other lenders and translate it into your score.

When you begin fixing your file, pay attention to all three versions and look out for errors and negative accounts that may have slipped in either by your own making or as a result of an error from either the creditor or the reporting bureau.

What you’ll do once you have all the negatives figured out is to separate the wheat from the chaff. What this means is that you’ll give priority to the most recent of the negatives first because they have more damaging effect on your file. You want to pay attention to the most damaging accounts next. These are entries such as foreclosure, bankruptcy, repossession. You’ll follow that order until you get to the least damaging entry.

However, note that if you have an inquiry or collection that has just been entered into your report recently and you also have a foreclosure, you will be giving preferential attention to the inquiry or collection. This is because their effects will weigh-in on your score significantly compared to a foreclosure that is about 6 or 7 years old on your file whose effect has worn-off greatly.

Once you have the negatives figured out and have classified them according to the intensity of damage they can cause, you should begin fixing them immediately.

Use either a restoration kit if you can repair your own file or consult a repair agency.

How to: TransUnion Credit Monitoring Service Cancellation, Click by Click.
Video Rating: 4 / 5

Nice Credit Repair photos

A few nice credit repair images I found:

Umbrella repair man
credit repair
Image by Powerhouse Museum Collection
Format: Hand painted lantern slides.

Rights Info: No known restrictions on publication.

Part Of: Powerhouse Museum Collection

General information about the Powerhouse Museum Collection is available at

Persistent URL:

Acquisition credit line: Gift of Vera Vargassoff, 2010

Lockheed Hudson Bomber after repairs
credit repair
Image by Powerhouse Museum Collection
Format: Glass plate negative.

Rights Info: No known restrictions on publication.

Repository: Clyde Engineering Photographic Collection, Powerhouse Museum

Part Of: Powerhouse Museum Collection

General information about the Powerhouse Museum Collection is available at

Persistent URL:

Acquisition credit line: Gift of Clyde Engineering Pty Ltd, 1988

A man in his shoe repair stall
credit repair
Image by Powerhouse Museum Collection
Format: Hand painted lantern slides.

Rights Info: No known restrictions on publication.

Part Of: Powerhouse Museum Collection

General information about the Powerhouse Museum Collection is available at

Persistent URL:

Acquisition credit line: Gift of Vera Vargassoff, 2010

Credit Repair: This Sneaky Trick Raises Your Credit Score Legally and Quickly Credit repair do-it-yourself. In this video I explain one sneaky *but very legal* trick that almost no one knows about that n…
Video Rating: 4 / 5

How to Improve Credit Score fast Searching for way to improve your credit score fast? Check out this video which tells about a…

Q&A: What is the best way to repair a bad credit rating?

Question by coola: What is the best way to repair a bad credit rating?
I have overdrafts, loans and credit cards and I have missed many payments on all of them and am overlimit on my overdraft and credit card. Apart from making payments on time how tin I get a better credit rating? Will it only get better once I assume’t owe anything or if I start to make regular payments on time will that improve it? How long does it take for it to begin to improve? I’m in the UK so need info for here please. Thank you!

Best answer:

Answer by G.O.A.T.
there really isn’t any other way besides paying them on time.

What do you think? Answer below!

New Financial Website Offers Resources to Repair Credit

New Financial Website Offers Resources to Repair Credit

Tempe, Ariz. (PRWEB) October 10, 2011

Financial website delivers consumers up-to-date resources and helpful tips about everything from credit scores to bankruptcy and credit repair.

“We are consumers just like you,” said Chane Steiner, founder of “That’s why we’re providing quality advice about credit reports, credit cards and everything else in the world of credit.”

The economic recovery remains uncertain for households that saw their finances deteriorate during the recession. render resources to those who can’t qualify for a loan because of bad credit.

“Because we are a consumer-based economy, credit repair can be a driving engine in an economic recovery. If the U.S. is going to get spending again as the jobs come back, we need consumers that have good credit. What sets AAACreditGuide apart is that we have compiled a lot of great information about improving credit in one place,” Steiner explained. “We won’t recommend any service unless we have vetted them, and we will help you without the hidden games and misleading come-ons that consumers have come to expect.”

Along with a blog and credit forum, provides free credit repair letters, tips for obtaining credit cards and information about debt consolidation and removing bankruptcies from credit scores.

Before visiting, Utah resident Ryan Hal Marchbanks said he thought he would have to wait seven years to remove a bankruptcy from his credit report. Marchbanks said he didn’t have insurance and filed bankruptcy when his medical bills became more than he could handle.

Within several months of filing, referred Marchbanks to a service that was able to remove his bankruptcy from a major credit bureau report.

“It was a large deal. It’s vast,” he said. “They definitely have a good program. They get results.”
Marchbanks said he encountered some shady credit repair companies before getting information from

“It’s the right fix,” Marchbanks say.

For consumers who are delinquent on bills, has advice for dealing with pushy collection agencies. Unscrupulous collectors are called out on the blog, which also keeps readers aware of their rights when dealing with debt collectors.

The website has up-to-date information about changes to the bankruptcy laws and a step-by-step guide to improving assigning scores.

According to Steiner, has assisted check clients with services that, in 2010 solely, collectively withdrawn more than 1 million electronegative items from credit reports, including tardy payments, bankruptcies and charge offs.

“The question of whether repairing your credit or correcting errors on your credit report is legal or illegal is one that is presented to me on a regular basis,” said John C. Heath, a Lexington Law attorney who works with “Once and for all I’d like to say it is legal. You can dispute items on your credit report.”

Henry Constante of Oakley, Calif., said his score was a lowly 527 before he sought help repairing his credit.

Today his credit score is 647, Constante said.

“You can have the bad potential credit you could consider of, I cognize, I had that,” he said. “Lexington Law gave me that hope that hey, you can do something about this.”

About is a consumer advocacy website that specializes in providing free information about consumer credit, debt relief and bankruptcy solutions. supports a growing credit forum community and provides answers to tough consumer credit questions.


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More Free Credit Report Press Releases

Score Optimization Systems Credit Repair Technology Delivers an Astonishing 150 Point Credit Score Increase to Texas Mortgage Broker

Score Optimization Systems Credit Repair Technology Delivers an Astonishing 150 Point Credit Score Increase to Texas Mortgage Broker

Loan Approved

Dallas, Texas (PRWEB) September 29, 2011

Texas mortgage broker and owner of Dynamic Mortgage, Anthony Aidonmiyi, witnessed a 153 point credit score increase in only four months with aid of S&S Private Capital’s credit repair services and its S.O.S. – Score Optimization Systems technology.

“After retaining the services of several other credit repair companies prior to S&S and not having the results assured by these firms, I was very loath to move any chances with another company.” stated Aidonmiyi. “I have referred many of my mortgage clients to numerous credit repair companies in the past only to be disappointed and not receive the assure they had made. However, after speaking with Gene Schwalen and his staff, I felt there was a light at the end of the tunnel. I was extremely impressed by their expertise and professionalism as they really know how the credit reporting and hitting system working. Being in desperate need to finance my personal mortgage, I decided to acted one more chance on my personal file before referring any of my clients to them, and Score Optimization Systems more than delivered on all their promises!”

With an original credit score of 493, S&S Private Capital’s S.O.S. – Score Optimization Systems was able to analyze Aidonmiyi’s ascribe report, identify reporting errors and inaccuracies, and take immediate action to eliminate the damaging information reporting to his assigning report utilizing the consumer laws and statutes that govern credit reporting exercise. In just four months time, his scores shot over a 650 which is more than high enough to fitting the FHA impute score requirements which are currently at 640 with most lenders.

Even with the much stricter lending guidelines, bonding meltdowns and the deteriorating real estate market, Aidonmiyi and his mortgage company, Dynamic Mortgage, have been able to increase their business by utilizing the S.O.S. – Score Optimization Systems for their realtors and clients. They are able to close more loans than ever before while helping their clients carrying all of their home ownership and refinance goals due to the credit repair success S.O.S provides. “After seeing the amazing results S.O.S. provided me with my possessed credit report, I have been able to use myself as a testimonial to help more clients obtain their mortgage loans by also taking advantage of the success Score Optimization Systems provides.” express Aidonmiyi.

S&S Private Capital, Inc. and its S.O.S. – Score Optimization Systems focus on impute report repair, and more importantly, credit score optimization. The S.O.S. consulting services educate clients on how to carry their home loan and other financial goals while qualifying for the most competitive ratting and programs. In business since 1998, the developers of Score Optimization Systems have helped more than 25,000 thousand clients including individuals, families and businesses across the country in realizing the gift of a great credit rating and the value it brings. More information about S.O.S. results can be found at

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Related Credit Score Press Releases

Improve Less Than Perfect Credit Score and Repair Credit Card Debt

Improve Less Than Perfect Credit Score and Repair Credit Card Debt

Article by New Credit Applications

Improve your credit score by repairing credit card debt even if you have less than perfect ascribing. Alevating credit card debt is the best way to repair your credit score and improve your less than perfect credit. Once your credit card debt is repaired your credit score will improve thus allowing you to once again obtain new credit cards and receive instant approval online.

There are V simple steps to improve less than perfect credit by repairing your credit card debt. Following these simple steps to repair credit card debt tin improve your credit score by nearly a 100 points.

The first step to improve your less than perfect credit score and repair credit card debt is to obtain a copy of your credit describe. Pull your credit report from all three bureaus to see what is negatively impacting your credit score. You tin obtain a free credit report annually from

The 2nd step is to reduce the number of credit collection accounts that are negatively impacting your credit score. These negative credit marks will hurt your chances of obtaining a new credit card. After reviewing your credit describe write a dispute letter to each credit card bureau (Experian, TransUnion, and Equifax) via certified mail. Dispute every credit collection or negative credit card account that is listed on your credit report even if the account are in fact legitimate. Credit card companies and creditors have 30 days to respond to the bureaus to state that the negative items are in fact owed by you. If they do not respond they have to drop the negative credit accounts or collection items from your credit report thereby improving your less than perfect credit most instantly. It’s also best to send in dispute letters during holiday months when they are understaffed and overworked. You can also request that whatsoever old accounts (older than 7 years) be removed from your credit report. They have to do this by law, but don’t have your oldest credit card been removed if it’s not negatively affecting your credit score. The longer you have established credit the higher your credit score will be. This ultimately will improve your less than perfect credit by boosting your credit score significantly. Most people experience a 100 point increase in their credit report from this step alone.

The 3rd and most important step in repairing your credit card debt is to establish II new lines of credit instantly. There are various new credit cards to choose from with different perks and APR’s. You tin compare new credit cards and complete a new credit card application online for instant approval on most applicants. Applying for new credit can initially lower your score by just a few point due to the number of inquiries that post to your credit report so only apply for credit cards that you have a better chance of obtaining. You tin start with a prepaid visa that has a built in credit builder program designed for people with poor credit.

The 4th step in repairing less than perfect credit is to maintain a good standing with the new lines of credit you recently obtained from New Credit Applications. As a rule of thumb its best not to purchase anything on credit that you will not have when the credit card statement arrives or only charge something that you pay each month anyway like your electric bill. Charge it and then pay it off as soon as the bill arrives. Don’t use your new credit cards for anything else. Put them in a drawer and forget about them. Remember the key is to keep them in good standing not to charge things that you cannot afford or that you will not be able to pay for in full when the bill comes in. Learning responsibility can also play a key role in repairing your credit card debt. Which most of us learned the hard way and believe that once we are able to get a second chance we will look at credit in an overall new way.

The 5th and final step is to routinely monitor your credit report and credit score. Your FICO score is the most important number that your creditors see when deciding your credit worthiness. My personal favorite is for the best hit watch system that is available today. You can also obtain your score for free at, but it varies from the official FICO credit score.

About the Author

New Credit Applications is committed to helping those who don’t have a credit card or who have had credit lines taken away in the past. Easily apply online for instant approval for the credit card that most fits your needs!

New Service Provides Credit Repair Advice, Information on Free Credit Report Offers

New Service Provides Credit Repair Advice, Information on Free Credit Report Offers

Dallas (PRWEB) May 29, 2008 has released ground-breaking news about how it provides an one-stop resource for free credit reports and free credit-repair advice. The company hopes to ease the burden on consumers searching for credit-report information.

“While you are surfing the Internet, sometimes it can be exasperating trying to decipher which credit report Web site to go to,” said Gibron Williams, a public relations representative with “So we have done the research and have found the top credit score reports the Web has to offer, and have provided them on our secure site.”

The company’s free credit repair advice service is unlike any other, where most companies charge big fees to do what consumers can do for free on the Internet. Once has received a credit question under the Web site’s “credit resources tab,” the company will post the question and answer it on the site blog within 24 hours.

“Our passion and mission is to provide the most up-to-date information about credit news and credit strategies for today’s market. With your credit score being a hot topic with just about everyone, you cannot afford to be in the dark about your credit,” Williams said. “ is not a credit-repair site, but with our experience in the lending industry, we have extensive knowledge about what it takes to fix your credit. We believe most people fall prey to credit-repair scams because they are desperate for help. Our site offers the tools and information to repair your credit for free. According to the FTC, self-credit repair may be the best option.” believes there are reputable credit-repair companies out there that do provide credit education and credit-repair services for a fee. But consumers will find that most sell something they cannot deliver.

“If you are in take of credit restoration, stop by and see us on the Web,” Williams said. “We are helping out thousands on the Web get in the correct direction with self-help credit repair. Please visit us at today and join the self-help ascribe revolution.”
18170 Dallas Parkway
Suite 304
Dallas, TX 75287
Gibron Williams, Public Relations


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.