Articles for March 2019

2019 Credit Repair Guide

A trusted credit repair company can help you with debt management

Bad credit can ruin not only your reputation but also your life. Without a good credit score you cannot get access to the best loan products and the best interest rates. Most banks and lenders will shy away from you and you will be left to deal with loan sharks that will put you into more debt. The solution is to rein in your expenses and perform credit repair so you can manage debt more efficiently and will result in a better credit score. Here is the 2019 guide to credit repair.

Get the Collection Calls To Stop

Credit repair: Get the Collection Calls To Stop

The biggest challenge most people have when it comes to tackling credit repair is just getting the strength to begin the process. When debt collectors are constantly harassing you it can be quite difficult if not impossible to move and begin. What you are going to do is to write formal letters to collection agencies to make an official request that all communications with you should be done via mail only. This will give you the necessary breathing room as well as establishing a paper trail that you can take advantage of when beginning credit repair. You also get the chance and the energy for that matter to deal with your finances on your own terms without having to have a panic attack each time your cellphone rings. Begin by getting control of your credit collection so you can get on the correct path to having better credit.

Review Current Financial Situation

Credit repair - Review Current Financial Situation

Knowing where you stand is a good gauge and an amazing way to getting your credit repair campaign started. Get a free credit report from each of the three major credit organizations: Experian, TransUnion and Equifax. If you have been denied credit or employment because of you credit file, you also can get a free credit history report even if you already got one previously in the same year.

Check for Correctness

Once you have the report, read and understand its contents. Check to see if all the listed information is correct. Keep in mind that a lot of aspects go into computing your current FICO score. Sometimes there is outdated or erroneous information on the report that could cause your score to go down more. Alternatively, you might discover missing good information that can help increase your score for the better such as a lower loan balance. By updating or adding the right information on the report, your score can get better.

Checklist for Report Accuracy

Incorrect Amounts Owed – This refers to amount owed that is listed erroneously resulting in a report that does not accurately reflect amount of credit used. High use of credit will have an adverse effect on your score.

Wrong Account – If you have no memory of a debt there is a chance that it might not have been yours in the first place. All unknown debt should be scrutinized.

Erroneous Delinquencies – Refers to items listed as being paid late even though you paid them on time. Any late payment will have a negative effect on your credit score.

Inaccurate Reporting of Collection Accounts – Some collection companies are unscrupulous enough for placing information on a credit report for the purpose of extorting money from unwary people. Be careful of this.

Duplicate Collection Accounts – A debt or account should only be listed once. If the report shows it was listed several times by the same group or by competing groups, all but a single listing should be removed.

Wrong Judgment Information – If a judgment has been erroneously listed, it should be investigated. Judgments can hurt your credit score or dampen your chances of securing a loan. Any wrong information regarding the judgment may be disputed, even if most of the info is accurate.

Look for Zombie Debt

Credit repair - look for zombie debt

When running through your credit report, do pay special notice to the dates and check that any current negative items are still eligible to be listed on your account. Re-aged accounts can be listed with more recent dates that are not correct. Truth be told, this is a common practice of debt collectors in order to force you to pay for a debt that is past the reporting limit. In some situations, the statute of limitations have already come and gone on these debt collections in your area of residence. In instances like these, the best solution would be to dispute the debt as paying it would have little or no impact on your score. Moreover, the credit bureaus are only interested in information that is verifiable and accurate.

Hire A Professional Credit Repair Company

Hire a credit repair company to help your with your debt management

If you think doing credit repair all by yourself is something you do not have the time or knowledge to pursue. Talk to a credit repair company so you can take a load off your chest and let the professionals do the heavy lifting for you.

Repairing credit does not happen overnight. However, with the right guidance and discipline on your part you can make it work and achieve a score you can be proud of.…

What is CBD and What are Its Health Benefits?

Health benefits of CBD products and Where to Buy

There are several CBD Health Benefits. From research, it has been noted that CBD is very effective in treating different health complications. Due to the many health benefits associated with CBD, many countries are regulating it. If you suffer from health complications such as seizures and chronic pain, it can be used to achieve great relief. Unlike other medicines, it can help in treating chronic pain and it will not expose you to adverse side effects. There are several tests which have been carried out and they all confirm CBD has several health benefits. Some of the common health benefits of CBD include the following:

CBD Can Help With Pain Relief

CBD oil interacts with receptors in the immune and the brains system which leads to pain relieving. You may be exposed to pain due to different reasons. Even pain which has become chronic, you can easily manage it through application of CBD. It is also effective in reducing inflammation which can contribute greatly towards relieving your pain. Some health complications such as injury during sports can expose you to chronic pain. Application of CBD has been proved to be very effective in dealing with different types of pain.

CBD Has Anti-Seizure Properties

Rapid fluctuations of electrical activity in the brain lead to seizures. From research, it has been noted that administering CBD can be a great way to deal with seizures. There are several people out there who have been affected by seizures, the anti-seizure properties of CBD makes it a great way to deal with seizures.

CBD Can Combat Anxiety

Anxiety can lead to different health complications. There are several causes of anxiety which can affect the lives of your loved ones. Research has been carried out and it has concluded that use of CBD can play a great role in helping you combat anxiety. You can end up dropping your productivity level if you have been affected by anxiety. There are active ingredients in CBD which have been proved to be highly effective in helping you manage anxiety.

Here is a great video that talks about the benefits of CBD to check out.

CBD Has Properties That Can Fight Cancer

CBD has several ingredients. One of the ingredients in CBD is known to be anti-tumor. If you have been affected by cancer, you can use CBD to manage it. It can as well act as an anti-cancer measure. You can easily stop the spread of cancer cells to other parts of your body if you start using CBD. From research, it has been noted that application of CBD can play a great role in helping you get rid of different cancer related health complications.

Some Say CBD Reduces the Risk of Diabetes

Research indicates that CBD oil is effective in reducing chances of developing diabetes. It is also effective in helping you maintain healthy weight due to its effect in improving your metabolism rate. Diabetes can affect your life in several ways. If you can apply CBD, it will contribute greatly towards avoiding the effects of diabetes. Apart from reducing the risk of developing diabetes, it is also effective in making you enjoy several other health benefits.

CBD at Night Improves Quality of Sleep

There are some factors which can lead to poor sleep. When your sleep is affected, it leads to different health complications. In order to improve your sleep, you need to try CBD. It has active ingredients which will help in getting rid of stress and anxiety hence allows you to relax and sleep. If you can have enough sleep, then you will enjoy good health because sleep allows you to rest.

CBD Protects Against Bone Diseases

You may be affected by different bone disease. For example, if you have been exposed to broken bone or bone issues, the application of CBD oil plays a great role in making your bone develop in a healthy way. It is among the CBD health benefits which are less discussed.

CBD Ointments Can Protect and Heal the Skin

There are different skin complications. You can apply CBD oil topically and it will play a great role in maintaining healthy skin. It is a powerful antioxidant which can get rid of different free radicals on your skin which may be exposing you to different health complications. If you suffer from skin complications related to genetics, then you can help in improving the skin through application of CBD oil. It is an effective antioxidant you can apply to get rid of different health complications related to the skin.

Tips for Buying CBD Products

Most CBD products readily available today are derived from Hemp and are perfectly legal to purchase. CBD that is derived from Marijuana and has THC in it has different regulations. Finding hemp based CBD products is fairly easy through multiple online stores. Not all CBD products are created equal though and there are many different ways of producing CBD products. So you may want to do a little research first.

Of course here at Mom Tried It we have done some of this research for you! Here are some of the top CBD product sites that have high quality products and we are comfortable recommending.

  • Bluebird Botanicals
  • Just CBD
  • Infinite CBD
  • Mission Farms CBD

One other thing you will find is that CBD products can be a little more on the expensive side. However there are many CBD coupons and discounts to help you save some money. One of our favorite sites is for CBD coupons. They have exclusive offers and deals and we find they tend to get you the highest savings.…