To Get The Best Credit Cards – Credit Repair = Prime Rate Cards

There are literally thousands, of different credit cards out there for consumers to sift through. Some cards are extremely good, others; not so much. Finding the right credit card can be difficult, especially with so many choices, but most consumers understand one basic principle of credit cards: the lower the interest rate, the better.

The best interest rates on credit cards will be less than 10%, though these credit cards are difficult for many people to get a hold of. They are reserved for people with the absolute best credit scores — people whom banks and other credit agencies view as extremely safe investments. These are people who the financial institutions know are more likely to have the money to pay them back without any bumps along the way.

The best cards are called “prime rate cards” because these credit cards are often tied very closely to the prime rate set by the credit marketplace, one of the main factors used in determining the interest rates for loans and credit cards alike. These cards are going to have the lowest interest rates, and will almost never have any additional fees.

If you don’t already have a top notch credit score, then your chances of scoring a prime rate card isn’t good, but that doesn’t mean you can’t work yourself up to a point where you qualify. No matter how bad your credit is, it can be repaired given time and the right advocate on your side.

If you’re credit score is bad or even just average — you will want a prime rate card, then you need to remember that credit repair equals prime rate cards. There is no easy way to “cheat” the system, and having good credit is far more important than getting one prime rate card. Besides, if you repair your credit correctly and maintain a high score, then you won’t have to chase after a prime rate credit card because the banks and lenders that make these cards will start coming after you.

Credit repair can be done by anyone, and many people would be surprised by how quickly a score can recover if you do the right things. A friend of mine at one point in his life had about $3,000 in credit card debt in grad school, and late payments on his credit report from as early as two years before, and a score around 550. Not good. But he paid all his bills on time after that initial missed payment (and always added a little extra just to make sure he was over) and paid all his debt off so his balance was $0.

The result? In about four months of not having any balance, his credit score was a 729. That’s an excellent score, especially considering how close those last delinquent payments were. In addition to that, my friend had less than seven years of total credit history, meaning if the balance stayed at zero the score was only going to continue to climb and get better.

The point of is that it doesn’t have to take ten years to clean up a credit report. If credit repair is one of your tactics then a score can improve rapidly. Even if it takes more time, doing the right thing tends to have a snowball effect. Don’t be surprised if your score goes up five points in one month, then seven, then seven, then thirty-eight. More often than not — that’s exactly how it will happen when you represented by a reputable credit repair company such as Lexington Law.

When aiming for the best credit cards possible: all you need to remember is that credit repair = prime rate cards. It really is that simple. If you want the best cards, get your credit repaired and before you know it the companies will be flooding your mailbox with prime credit card offers and low interest financing.

Doctors Want You to Advocate for Your Healthcare

Anyone who knows me knows of my ongoing knee surgery saga. Doctor after doctor, treatment after treatment – it’s frustrating. I’m a healthcare advocate and it’s an exasperating experience for me. I can only pray for the people who need help navigating the healthcare system and don’t know where to begin.

I recently saw a new orthopedic surgeon because the one I have currently cannot seem to understand why I still have pain three months after my surgery. “Well, you don’t have anything wrong with you structurally,” he said. “I am unclear as to why you are in pain.” When you are in pain, you don’t want to hear that your doctor doesn’t know why. More frustration, and no avenues as to how to treat it.

So I called my insurance company to see if they covered second opinions. They did, and I made an appointment with the new one that my physical therapist recommended.

As the doctor walked in with an eager young intern, he introduced himself and shook my hand firmly. It seems like we talked for a while, he didn’t rush me at all. He took the time to ask me what I felt was wrong and give me his opinion about my knee issues. He gave me a new diagnosis and some new different avenues of treatment as well, instead of sitting there with a dumbfounded look on his face. He actually told me that I no longer need a surgeon, that I need a rehab doctor to follow my condition at this time.

Not only that, he asked about me. He wanted to know how my pain affected me and my lifestyle. What my pain kept me from doing. When he asked me about my career, I told him that I was a healthcare advocate. And do you know what he said?

“That’s just great. I meet so many patients that don’t speak up during their appointments because they are intimidated by me. I wish patients would ask the questions they need to and utilize me as their physician. If they don’t, then what happens?”

This plea is coming from a doctor. Physicians want active patients that want to take part in their care (at least the physicians without an ego). Prepare for your appointments and get the most out of them.

Here are some ways to prepare for your appointment and utilize your doctor:

  • prepare your questions and concerns before your appointment
  • make sure you bring a photo ID, your insurance card and any copayment
  • speak with the doctor about your concerns and ask all the questions that you have
  • let the doctor discuss with you what they think is going on
  • if you are diagnosed with something, ask why that diagnosis was chosen
  • if the doctor prescribes a medication for you, ask why that medication was chosen and about its potential side effects
  • do not let fear or intimidation keep you from the goal of getting your best healthcare

Any doctor that you see should be happy that you are an active patient. If they’re not happy, then find another doctor that respects your opinion and wants to have you take in active role in your care.

Check out the ratings on your doctor at Healthgrades.com!

Consumer Debt Advocate – Consolidate Your Unsecured Debts

Many people are now desperate to find a solution to their scary collection of debts that are far bigger than the owners could ever hope to repay without help. Fortunately after the financial crisis of the last few years, such help is now readily available. One company that assists individuals stricken by their debts is Consumer Debt Advocate.

The Consumer Debt Advocate company prides itself on its ability to help individuals settle their debts that are not secured for from just forty to sixty cents on every dollar owed. The exact amount actually varies with the applicant’s particular scenario and difficulties. Although the dollar amount of bills is different for every individual, the company’s programs will allow a person to consolidate all of his or her bills into one debt consolidating payment so that the total bills can be eliminated in only one to three years time usually. Whether this process requires less than a year, or even longer than three years, they promise to stay by the debtor’s side all the way until the last bill is settled.

The debt counselors working for Consumer Debt Advocate have successfully assisted hundreds of different individuals in reducing their bills to a manageable level in the last four years of time. The first monthly payment that is required in the consolidating process saves the client money to help reduce the pressure of the bills’ stifling minimum payments. The company is proud of the fact that they talk honestly and openly with the prospective customers regarding the advantages and disadvantages of their settling debts program in order for the person to be sure that this decision is the best one for his or her individual case. They also take pride in offering the most reasonable costs for their services in the business, passing the savings along to the customers. They stick to the best standards of ethics in the credit consolidating and settlement industries.

One thing that Consumer Debt Advocate is very free about is the sometimes confusing difference between the debt elimination that they practice and the debt consolidating that other not for profit organizations offer. In their program of debt reduction, balances that must be repaid are drastically cut back. With debt consolidating, the full payments are paid back at a lower interest rate.

There are many advantages to the program that this company offers. They do not charge for enrollment, which is unusual. They promise to lower the clients’ monthly payments. Besides this, they ensure that their customers are relieved from their debt faster.