Mix all ingredients in a bowl and add to a pan. Bake in the oven at 350 degrees for 10 minutes or until completely cooked through.
The Mindful Tech Team
Coco for Noatmeal: ¼ cup chia seeds 1 cup almond milk ¼ cup coconut flakes
Cook the chia seeds with the almond milk on the stove on low heat. When the chia seeds have soaked up all of the liquid and have plumped up, pour this into a bowl and stir in the coconut flakes. Enjoy with a spoon!
Health Hack: if you are watching your carbs but you love a hot bowl of oatmeal, this recipe is for you!
Mash the banana with the eggs, cook this mixture on the stove on low heat until fully cooked through. Top the finished product with coconut oil.
– The Mindful Tech Team
Almond Butter + Yogurt Chia Seed Pudding: ¼ cup chia seeds 1 cup plain yogurt ¼ cup slivered almonds
Mix all ingredients in a bowl and leave in the fridge for 20 minutes to allow the chia seeds to plump up.
Note: Adding a dash of cinnamon will add a bit of sweetness to this dish.
– The Mindful Tech Team
Raspberry Sweet Omelette + Almond Butter: ⅔ cup egg whites ½ cup raspberries 2 Tbsp almond butter
Mix the egg whites with the raspberries and cook on the stove on low heat until completely cooked through in one flat shape. Then put on a plate and spread the almond butter on top, fold one side over the other. Enjoy!
An individual’s detailed credit breakdown is prepared by the credit bureau of his/her country. It is called the credit report. Credit bureaus collect the credit history of the person, and lenders use these reports to consider in the loan applications. They provide approvals accordingly. The credit score is based on the credit report. The higher the credit score, the person is more likely to get approval on the loan applications. It is necessary to have a healthy credit score to obtain loans and leases.
What is credit repair?
When you’re standing credit is being deteriorated due to different reasons you need to fix it. The process of fixing bad standing credit is called Credit repair. Each credit bureau owns its own propriety version of your credit report.
It is not possible to function nowadays with a bad credit record. Credit repair is the process of getting poor credit status back to normal. It includes detecting the credit issues and dealing with them to fix the faults in the credit score. Credit repair focuses on contacting the credit bureau to fix the incorrect details on an individual’s credit report. It merely means restoring the credit report to its best status.
Disadvantages of bad credit
Having a bad credit status can be disadvantageous in several ways. The following are a few of them.
Difficulties in starting new businesses and buying new properties
Higher interest rates on loans and credit cards
Higher insurance premium policies
Denial of employment
Lower the trust of the debt collectors
Difficulties occur when moving to new apartments
Apart from the disadvantages mentioned above of bad credit, there can be a financial instability with the individual’s credit records. It is ideal for performing a credit repair to fix the issues in the credit score where necessary.
Repairing Bad standing credit could be as easy as reporting (disputing) errors and mistakes in your report from credit bureaus or addressing issues like budgeting and dealing with legit concerns from the lender side.
A person can get the assistance of numerous companies available for credit repair. It takes some work and effort to adjust the issues in a person’s credit report. If the person can afford the service of a credit repair company, they will contact the credit bureau and do the task of making disputes to fix the issues. With the help of the credit company, the misinformation and inaccurate details can be removed from the credit status.
The company investigates the current issues of the person’s credit report. Then they assess the changes which should take place. They guide the person the way he/she should make the future payments, how he/she should spend the credit etc. Such tips will be helpful to improve the credit score of the individuals.
Consumers having bad standing credit often seek professional
help to avoid financial hard times, because many companies look at your credit
report before doing business with you and to set the product pricing.
Although there are many professional companies that you can
hire to repair your credit, but it’s nothing you can’t do on your own. There
are plenty of different tactics that you can learn from books or the internet
in order to do it yourself, and it will save you the money. Plus, you will
better understand your credit history and have knowledge over it. For example, removing
negative information can be done by different methods (Credit repair companies
also use these tactics) like
When you are working on your credit repair you want to bring up your credit score up but credit repair is about fixing your credit report not your credit score. Improving your credit affects your credit score, which will eventually improve your credit history. Some banks offer free credit scores and info as a member perk. Chase Bank is one of them.
You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.
Visit http://www.annualcreditreport.com to get a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus (Equifax, Experian, and TransUnion) Create a myEquifax account to get two free Equifax credit reports each year.
Good news: You may be able to get your score for free from your bank or credit card issuer.
Credit history can be estimated by credit score:
A credit score tells how responsibly you pay back your credit. A credit score can tell whether you have good credit history or bad credit history. Improving credit score indicates that your credit history is improving.
Boost your credit score:
Improving your credit history means improving your credit
score which is based on the following categories (credit improvement will be
needed in all these in order to improve credit score)
Types of credit accounts
Recent applications of credit
Age of credit history
Amount of debt
Repairing bad credit takes time:
Good credit history has recent positive credit information
and minimal negative events. You can take the first step in the right direction
by paying your payments on time. The credit repair will not be immediate so be patient with the process
Change your habit:
Even if you hire professionals or do credit repair yourself,
it would not last long if you don’t change your bad habits. If you don’t borrow
responsibly you can fall back into more debt and will find yourself in the same
situation over and over again. Only borrow which you can responsibly pay off
The best you can do:
Paying off your bills regularly is one of the best things
you can do to avoid bad credit history.
Vice president of
consumer education and advocacy at Equifax, Nancy Bistritz says,
“When it comes to creditworthiness, a great rule of thumb to remember is to pay your bills on time every time. Lenders and creditors want to know that you’ve been able to satisfy your financial commitments on time every time. Therefore, paying bills on time is an important, fundamental behavior to establish early on.”