Directory of debt consolidators and debt consolidation information. Browse listings to find companies that specialize in providing clients with business debt relief.
www.business.com/finance/debt-consolidation/Business directory to 401k rollover information and advice.
www.business.com/finance/401k-rollover/Retirement industry advisers and consultants.
www.business.com/finance/retirement-consultants/Companies that provide retirement plan benefits, including 401k plans and pensions. Get information on corporate retirement plans, or how to offer retirement benefits for employees.
www.business.com/finance/retirement-plans/401(k) plans allow employees to save for their retirement by contributing a portion of their wages to an individual account. Employers can also contribute to 401(k) plans in the form of employee benefits; be sure your 401(k) vendor can manage your employees’ investments wisely.
www.business.com/finance/401k/Source: /guides/401-k-plans-key-terms-33062/
Learning about 401(k) plans key terms is a good place to start if you're considering starting up a retirement fund for your employees. From automatic enrollment to matching, after-tax and pre-tax contributions, 401(k) plans have several terms you may want to know before beginning one of these programs. Read More »
Source: /guides/401-k-plans-industry-overview-21253/
The 401k plan grew from a little known tax code loophole--which is where the 401k name came from--to the most common way workers invest for their retirement. This industry possesses trillions of dollars in allocated 401k retirement plan contributions. Read More »
A bad credit can be detrimental, and make life more difficult and costly. For example, a bad credit score can prevent an individual from obtaining a loan for a home or car. In addition, individuals can be disqualified from a credit card, as a bad credit score indicates their financial instability. However, the bad credit score does not have to last forever.
How to Repair Bad Credit
An individual does not have to be stuck with a bad credit score. There are a number of steps that individuals can take to repair their bad credit score on their own.
1. Obtain A Credit Report
In order to take the initial steps of improving a bad credit score, individuals should first understand the details behind the number. Under the Fair Credit Reporting Act, individuals are given the right to know what is within their report. The credit reporting company must provide the individual with accurate and fair information, as well as a list of people who have requested your credit information.
A credit reporting company is required to provide a free report to the individual, provided that this is their first request in twelve months. In order to obtain a credit report, the individual must have personal information on hand, such as their social security number and date of birth. After request, the individual can expect to obtain their report within a couple of weeks.
2. Understanding the Score
After obtaining a credit report, the individual is given the information needed to start improving their score. A credit score is comprised of a number of different factors, including the method of bill payment, debt, and length of credit history. Another critical component of the score is the number of new credit applications. By understanding which areas have a negative impact, the customer can start engaging in positive practices towards repairing their score.
3. Disputing Errors
If you believe that your credit score contains wrong information, then you can choose to dispute the claim. File a credit report dispute by writing a letter to the credit bureau and collecting information that backs up your claim. After an investigation is completed, the bureau will send the individual the results and records of the amended statement. It is important to addresses these concerns, as an error can have a drastic, negative impact on a score.
4. Engage in Positive Financial Practices
A bad credit score most likely originates from financial mistakes in the past. Some positive practices that can improve credit score is to avoid new credit card applications and pay off past bills and debt.
5. Hire a Credit Repair Company
If the individual is lacking in time, he or she can choose to hire the services of a credit repair company. When choosing a company, customers should make sure that they choose a reputable and credible service. There are a number of fraudulent companies that offer guarantees and promises of immediate increases in credit score. However, customers should do all they can to avoid scams and fraud.
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