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At the beginning of the credit repair process folks have a tendency to focus only on removing the bad items. Many times folks will start without any open accounts. This will not get you the results that you need to see. Happily this is a situation that may be fixed and we’ll show you how here.


There’s a common misconception that bad items are the main factor in figuring out your score. In fact it is just as important to have positive current activity. In order to see real improvement in your credit score you ought to be reporting positive items to the credit offices every month.


So What Are You Able To Do?


The initial step you want to take if you haven’t got any open accounts is open one. That potentially sounds like the last thing you must do but hear us out. While you might still be able to get an unsecured card your best chance may be a secured one.


So What Exactly Is a Secured Credit Card?


A secured credit card could be a powerful credit building tool. Basically a secured card is backed by collateral that you provide to”secure” the card. For credit building purposes it’s generally a relatively little amount of cash that becomes your borrowing limit. This protects the creditor and lets you create a positive revolving debt. Be sure to keep your balance low and your payments punctually.


Use An Authorized User Account


If you have got a relative with a sound credit history see whether they will put you on as an authorized user. This option will not be available in each scenario due to family circumstances. But if available it’s a great credit building tool.


The method is easy and you need?no qualifications. They’re going to require some personal info such as your Social Security ID. The card holder simply calls the card company and asks to have a card sent to you for emergency purposes. Inside 2 months the card should show up on your credit report and you will get advantages from their good credit practices.


While the authorized user system is a straightforward way to raise your credit rating Travis Hamonic Jersey Youth , it alone can’t”fix” your credit. Building credit for yourself as well as becoming an authorized user will get you back on the fast lane to great credit.


If you need help improving your scores be so good as to check out my site on credit repair. Our top credit expert may be the answer to you credit worries.


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The Internet is the most powerful employment tool on earth. Hands down.


With the Web, you can access millions of job openings on thousands of sites. With email Mikael Backlund Jersey Youth , you can quickly contact employers and ask for interviews.


Yet, if used incorrectly TJ Brodie Jersey Youth , the Internet can actually prevent you from being as productive as possible in your search for work.


How? Why?


Here are four mistakes that commonly befall job seekers using the Internet. Avoid them, and get hired faster.


1) Don't Email Your Resume Wrong


I've written before ( ) on how to create a text version of your resume for emailing to employers. Because not everybody has Word or WordPerfect Mark Giordano Jersey Youth , the only way to be sure employers can read your resume is to email them a version in plain old ASCII text.


Make sure the resume you email looks good upon arrival, with no funny line breaks or garbage in the text. How? Use yourself and at least two friends as guinea pigs.


It's easy. Practice formatting and emailing your resume to yourself and others. Open the email. How does your resume look? Good? Good. Garbage? Reformat and repeat until your resume goes through cleanly every time.


2) Don't Forget The Email Cover Letter


When emailing your resume to employers Matthew Tkachuk Jersey Youth , don't dash off email cover letter as an afterthought or, worse James Neal Jersey Youth , fail to include one. Treat email as you would postal mail -- always email a solid cover letter with your resume.


Your cover letter has many functions. Chief among them are telling the reader what job you're applying for, where you learned of the job Johnny Gaudreau Jersey Youth , and your specific qualifications for doing it.


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