In the last article in this series I wrote about how long different marks remain on your credit report. I mentioned that mistakes will be removed immediately, soft inquiries will have no effect, and hard inquiries can hang around on your credit report for two years. Late payments have the capacity to do way more damage.

Even though some creditors may opt to show you mercy and erase past credit problems if you pay your account immediately, late payments can have stay on your credit report for seven years. Luckily, these negative marks are common and do less damage to your score than the rest of the marks I will go on to discuss.

With a tax lien comes seven years of bad credit. When you do not pay your income or property taxes when they were due, and the government comes in and takes ownership of your property, you are dealing with a tax lien. Unlike creditors, no matter how fast you settle your tax lien, big brother is annoyed that you made him go out of his way to take your property, and it will stay on your record for seven years.

Foreclosures are equally as dismal and they will stay on your credit report for seven years. Foreclosures are seen as one of the worst negative accounts that can be on your credit report. In fact, if you do have a foreclosure on your credit history, good luck buying another home unless you are planning to pay for it entirely in cash.

It’s not the good old days anymore, so never default on those student loans either. Before the administration of President W., student loans generally were forgiven if they were declared when someone filed for bankruptcy. Now times have changed, so it’s crucial to pay your student loan debts. After 270 days of nonpayment, defaulting occurs, and before the loan defaults, you can bet your life that you will be the unlucky recipient of a whole slew of late payment fees.

The last, and most serious negative mark that can go on your credit report is bankruptcy. Bankruptcy will stay on your record for ten years, and instead of having a creditor pull your report, you may as well call them up and say “I am fiscally irresponsible and will be that way for the next ten years.” Declaring bankruptcy can hinder your ability to get a new car, any type of new credit or a new place to live. So watch your credit report, or you might end up living with that rude mother in law I wrote about in article one.

Mallory Megan works for Rapid Recovery Solution and writes articles on commercial collection agencies. Also published at How Long Will A Negative Mark Remain On Your Credit Report Part Two.

A lot of people would like to know window cleaning secrets of the trade. Cleaning windows can be a real pain. It is not nice looking to have dirty windows. Not to mention, it can be a real pain to keep your windows clean.

Windows get dirty very easily. Fingers prints are one of the biggest things that can cause dirty windows. Pets can also cause them to get dirty because they get their little wet noses all over the windows. Of course, dirt blowing around in the air and other general dirt can cause a window to get dirty.

It is important to clean your windows frequently. This way your windows will always look nice. Plus, cleaning your windows often means that it is much easier to keep the windows clean. If you wait and let the dirt build up on the windows than it is tougher to get all the dirt off each time you clean.

Be sure to purchase some good paper towels to use while cleaning the windows. Using cheap thin paper towels does not work so well because little pieces of the paper towel will break off and stick to the window while cleaning it. It also will cause streaks on the windows as well. Some people like to use newspaper for cleaning their windows. This works well too.

Also be sure to purchase a good glass cleaner. There are many different types to choose from and they range in prices. Spray a good bit on the windows and then scrub the windows with your good paper towels or the newspaper. Double check to make sure their are no streaks. If there are just spray a small amount on that section of the window and just clean it once again.

Also, be sure to wash both sides of the windows. Cleaning the windows on the inside of the house is pretty easy. Just stand in front of the window and clean. Cleaning the windows from the outside of the house can be tricky because you have to climb around your bushes and plants. Plus, some of your windows are on upper levels so you will need to get out a ladder to get to them. Be careful climbing any ladders and be careful getting around bushes and plants.

Hopefully from reading this article you were able to learn some window cleaning secrets of the trade. It really is not hard to keep your windows clean. Just be sure to keep an eye on them and when you notice a little dirt them just grab your paper towels and glass cleaner and scrub them real quick. This way, your windows always look sparkling clean!

Do you need the right window cleaning service in london? Well, if you do we have the best window cleaning services for you. Our services can help you get your office, house or facility windows cleaned in matter of time.

Well, when you are buying a home, no? You may be able to take some critical steps to improve the chance of getting a mortgage, and even improve the rate you get.

Why is this? We have to examine what a credit rating is, for the answer. Some people are not concerned about their credit score, but when they are applying for a home loan, they must be. Taking any steps to better your credit score will make a big difference in getting a home loan.

If you have reached a point in your life where you have decided to buy a first home, or have outgrown a home and need to shop for a new one, putting off some decisions and changes may make a big difference in your credit score.

The credit rating is based on quite a few factors. It is basically a numerical judgment of a proposed borrower’s credit worthiness. There are some things that hold a lot of weight in this rating, such as how the borrower has paid his bills, his credit lines and length of time in his job.

Improving as many of these as possible will improve your credit rating. Here are some things to do to improve your chances.

If you haven’t always paid all of your bills on time, now is the time to start. It won’t change how you paid bills in the past, but paying on time now will indicate to a lender that your bill paying system has changed.

Do not open any additional credit accounts if you are getting ready to make an application for a home loan. A network of credit lines that is too big will show that you can be overexposed anytime. Many credit companies have special offers, such as lower rates, or a department store may offer 10% off any purchases when you open an account, but these may not be worth it if you lose any advantage in your mortgage.

Another factor that credit agencies look at is your credit balances, so avoid adding to them and even start paying them down as much as you can.

Now is NOT the time to switch jobs, if you have any choice in the matter. Length of time in a position is a major part of your credit rating, since a lender thinks you have a better chance of continuing income. With a short job history, your job is less secure, and a job loss could mean you could not pay your bills.

Another job decision that can have an impact on your mortgage is retirement.

Banks look for current earnings when they are granting a loan, so having a job at this time is critical. Refinance your home or apply for a home loan for your retirement home before retiring.

Some of these steps may be simple for you to do, but others may not be at all possible, but any improvements you can make will help your credit score and home loan application.

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