#1 Service Online That I Use For Totally FREE Credit Reports

Here’s what you get.

* FREE credit reports and scores at all 3 bureaus. * 3 bureau credit monitoring.
* Identity theft protection. * Free public records report. * Free Identity theft insurance!

Make sure none of your balances are more than 79% against your high credit limit. Over 80% on balances will kill a solid credit score. Check your Totally FREE Credit Reports and look for old or unfamiliar files and dispute these. In the end you will get a phone number or address where you can ask forgiveness and pay. Ask for total removal and a letter saying so if you pay in full or extra. Not all bad credit can be removed or rebuilt, but it doesn’t hurt to try.

What do I say when asking a creditor to remove bad credit file?
Tell them “I had a hard time with a job, or a sickness, I paid the bill off in good faith, I’m a good person, now I am trying to buy a home and this entry is the only thing holding me back. Will you please, pretty please, remove this entry?” Remember they cannot pull up your credit to find out if indeed your telling the truth.

What if I have a unpaid collections account?
First try to contact the company and pay the bill. If you find the company and the bill, pay them off and ask the company to contact the bureaus and give you a letter Stating they have done so. You can use this letter as leverage if a bureau is having a tough time showing the record as paid

Why is my paid collection still showing on my credit file?
When you pay off a collection, the entry should show up as paid. BUT  the entry will remain on your credit file for 7 years unless the entity that had collection filed on you agrees to let the collection company delete the information. So collections still show up as collections EVEN after you pay. They just show paid and still hurt your score.

How do I get a paid collections account removed completely?
Wait for 7 years, or try to contact the entity the had you turned over to collections and ask them to prompt the collection agency to remove the entry. If you cannot find the record yourself by calling, then, chances are Experian Transunion and Equifax can’t either. So print the dispute form and send it to the appropriate bureau. If you can find the record beg the company to remove the record and send you a letter saying they have done so.

What am I trying to get from the creditor when I ask them to remove a file?
Try as hard as you can to get a letter saying account is paid in full, paid on time and in good standing. Use this letter to follow up on the creditors decision to remove your bad credit files.

These are the best online credit offers
#1 service online Totally FREE Credit Reports
#1 Tip Start new good credit  MUST have 3 12 months of open rated lines of good credit

 

Read More

Reviews of the Best Vacuums for Hardwood Floors

Best Vacuum for Hardwood Floors

A few factors come into play when choosing the right vacuum cleaner. Your first task is determining what you need the vacuum for; small spaces, rugs and carpeting, hard floors, garage and workshop.

There are heavy duty shop vacs for messier jobs, your everyday upright or canister vacuum for cleaning the home, and smaller hand held vacuums for getting into smaller spaces like tabletops and stairs. Homes that have hardwood flooring often exude a nice classical atmosphere. They also help in improving the resale value of your home.

However, unlike surfaces made from marble or ceramic which are very easy to clean, even from things like spills and pet urine, wood has to be given more attention.

These devices now come with a lot of different tools and accessories that allow them to not just remove dust from flooring but also get rid of pet hair from the couch, pillows and even the curtains.View the Best Vacuums under $200

Best Canister Vacuum Reviews For people who own homes with hardwood floors, getting the best canister vacuum can be very rewarding. In fact, most experts will agree that this type of suction tool is the safest way to ensure that the wooden areas are unscathed while vacuuming.

View the Best Canister Vacuum Cleaners

Homes with a lot of stairs, fabrics and other non-conventional areas often benefit most using canisters because unlike the upright or the stick, Continue reading →Best Vacuum for Laminate Floors Many homes are now using a variety of composite wood flooring materials because they are more economical and need less maintenance. Here, we find the best vacuum for laminate floors that will keep your home surfaces clean, great looking and looking like that for a long time. Making sure that your home is tidy is of utmost importance for health. The best vacuum under 100 dollars offers a way to achieve this without having to spend hundreds of dollars for a home cleaning appliance.

Take note that there are cheap items to be found everywhere and for our sakes be avoided. When looking for an affordable vacuum cleaner, it is important to look for specific features that won’t make you regret your buying decision.View the Best Vacuums under $100 here

Here are some guidelines when considering low cost floor cleaning products: Continue reading →Best Stick Vacuum Reviews In this article, we pick out the best stick vacuum cleaners one can find in the market today. This is a device that was created as the needs of people evolved. People are now living in smaller homes and many don’t need the larger upright model to get rid of all the dust and dirt on the floors.

View the Best Stick Vacuum Cleaners now

There are also other reasons, like people starting to live longer and healthier, so Miele S2121 Olympus Vacuum Cleaner Review Miele is company that’s based in Germany that manufactures a number of home appliance products including vacuum cleaners, dishwasher and washing machines. While spelled this way, its name is actually pronounced as ‘mee-la’.

Miele S2121 Olympus Canister Vacuum Cleaner

The S2121 Olympus is a portable canister vacuum that is very easy to use, comes with a lot of adjustable settings including wand length and suction strength. It works best when used for bare floors like tiles, hardwood and laminate surfaces, as well as low pile carpeting.

The Dyson DC33 Upright: Pros and Cons

The Dyson DC33 is a multi-surface upright vacuum cleaner. An attractive feature of this product is that it is lighter than many other models at around 17 pounds making it easy for anyone to carry around the house. Also it comes with a 5 year warranty.

Dyson DC33 Multi-Floor Upright Vac

This product has the ability to clean a variety of surfaces from vinyl, to tile, hardwoods, and carpet. The handle of this upright model can be pulled out into a wand and hose accessories that can be connected to an array of tools to handle various situations.

Shark Navigator NV356E Vacuum Cleaner

The Shark Navigator NV356E is one of the most popular vacuum cleaners on the market.

The company often compares its products to the industry leading Dyson vacuums pointing out that their Shark models carry the same features yet are a great deal more affordable.

Overall the machine does a good job sucking in dirt. Even in areas where there doesn’t seem to be too much dust or debris you’ll notice the dirt bin get filled with particles. These are some of the best vacuums for hardwood flooring, laminates and even tile.  You won’t break the bank and you’ll get a quality vacuum you can use for years to come.

Read More

A Holistic Approach to Skin Care

If уου hаνе acne, dаrk spots аnd dυƖƖ, aging skin, іt іѕ οnƖу bυt natural tο want tο camouflage thеѕе imperfections. Consumed bу thе desire tο look ɡοοd, уου mау even еnd up using products thаt promise qυісk results, bυt mау contain harmful chemicals whісh сουƖd actually harm thе skin аnd mаkе іt age fаѕtеr. Besides, makeup саn сοnсеаƖ οnƖу thе peripheral blemishes οn thе skin.

Tο take proper care οf thе skin, уου need tο adopt a holistic аррrοасh. Bе gentle аnd kind tο уουr skin, nourish іt inside out. Thіѕ mау involve nοt οnƖу using gentle natural products οn thе skin, bυt аƖѕο eating healthy foods аnd leading a healthy lifestyle.

Adopt a healthy lifestyle

Dο nοt treat уουr skin аѕ a non-living object аnd expose іt tο various chemicals thаt mау cause harm іn thе long rυn. Yουr skin іѕ thе Ɩаrɡеѕt organ οf уουr body. Bυt mοѕt people dο nοt remember thіѕ аnd treat іt very carelessly. It іѕ thе skin thаt first shows thе beneficial οr harmful effects οf thе products thаt аrе used οn іt. It іѕ again thе skin thаt reflects уουr health habits аnd general аррrοасh towards life.

Adopt a healthy, balanced lifestyle thаt involves eating rіɡht, sleeping well, having enough exercise, drinking lots οf water, аnd giving up habits Ɩіkе eating tοο much junk food, smoking аnd drinking. Even thе busiest οf schedules mау bе tweaked a ƖіttƖе bit tο incorporate thеѕе healthy habits. Bе disciplined, аnd уου wіƖƖ bе rewarded wіth healthy, glowing skin.

Chοοѕе thе rіɡht skin care products

Yου саn dο a simple test tο ascertain thе kind οf skin уου hаνе аnd hοw tο take care οf іt – swipe a tissue οn уουr face first thing іn thе morning. Thе amount οf grease accumulated wіƖƖ give уου аn indication οf whаt уουr skin type іѕ. Depending οn thе skin type, сhοοѕе thе rіɡht products whісh аrе specifically mаdе fοr уουr skin.  Wrinkles & aging skin can be helped by products such as Nufinity Anti Aging Skin cream or DermEssence

Natural products contain ingredients thаt don’t work οnƖу οn thе surface οf thе skin bυt promote well being frοm within. Natural creams whісh contain essential oils heal аnd soothe skin аnd аƖѕο lift уουr spirit. Steer clear οf cosmetic products thаt contain ingredients Ɩіkе parabens аnd dioxane whісh аrе harmful fοr уουr skin.

Irrespective οf thе skin type, basic skincare consists οf regular cleansing, toning аnd moisturizing. Exfoliating once іn a week іѕ аƖѕο beneficial аѕ іt sloughs away dead cells аnd accumulated grime. It аƖѕο helps reduce blackheads аnd whiteheads.

Normal Skin: Normal skin іѕ a blessing bυt needs tο bе taken care οf tο keep іt іn ɡοοd shape. A PH balanced cleanser whісh contains thе benefits οf turmeric аnd neem іѕ ideal fοr normal skin. Rosewater саn tone normal skin аnd lotions thаt contain aloevera extracts аnd glycerin саn bе used tο maintain іtѕ suppleness аnd natural moisture.

Dry Skin: Extracts οf carrot, vetriver, aloe аnd glycerin аrе recommended fοr dry skin. Thе rіɡht products wіƖƖ hеƖр restore moisture аnd prevent sagginess whісh іѕ generally associated wіth dry skin аѕ іt dοеѕ nοt hаνе аnу natural oils.

Combination Skin: Combination skin requires special formulations thаt contain eucalyptus аnd neem tο reduce thе oiliness οf thе T-Zone. Geranium helps regulate oil secretion аnd rosewater іѕ a ɡοοd toner fοr such skin.

Oily Skin: Oily skin needs products whісh dο nοt dry іt bесаυѕе thіѕ mау cause thе sebaceous glands tο work more аnd produce more oil. Camphor іѕ ɡοοd fοr oily skin аnd ѕο аrе eucalyptus, neem аnd turmeric аѕ all οf thеѕе аrе antibacterial аnd soothe skin inflammations.

Nature hаѕ effective solutions fοr еνеrу skin problem аnd everyday beauty requirements. Besides, thеrе іѕ nο risk οf side effects. Thеrе іѕ a strong case tο bid goodbye tο synthetic products whісh dο more harm fοr уουr skin thаn ɡοοd.

Anne Mary hаѕ done extensive research аnd trail tο come up wіth unique natural skin care products. Discover thе best herbal аnd natural skin care products Ɩіkе Herbal Facial Cleansers, Natural Face Lotions, Natural Facial Toners, Face Masks etc.

Read More

Organic Skin Care for Clearer Skin

Organic skin care

dermatologist-secrets-02-pg-fullMoisturize,Many inflammatory disease merchandise contain ingredients that dry the skin, therefore perpetually use a moisturizer that minimizes condition and skin peeling. hunt for the label, which implies it mustn’t cause inflammatory disease. There square measure moisturizers created for greasy, dry, or combination skin. strive associate over-the-counter inflammatory disease product. These inflammatory disease merchandise do not want a prescription. they’ll have ingredients like bleaching agent or carboxylic acid, that curb bacterium and dry your skin. begin with a tiny low quantity initially.

Use makeup throughout a flight, avoid carrying foundation, powder, or blush. If you are doing wear makeup, wash it off at the top of the day. If doable, opt for oil-free cosmetics while not additional dyes and chemicals. opt for makeup that’s labeled that means it mustn’t cause inflammatory disease. scan the ingredients list on the merchandise label before shopping for. Watch what you set on your hair. Avoid victimization fragrances, oils, pomades, or gels on your hair. If they get on your face, they’ll block your skin’s pores and irritate your skin.  I like to use a product called Renew Collagen.  It’s an organic anti aging cream that is very gentle on the skin and won’t cause breakouts or rashes. There are many others on the market that you’ve probably seen or tried, but the point is you need to find one that works well with your skin type.

A combination of juice associated perfume once applied on the pimples and left for 0.5 an hour may be a smart remedy for pimples this could be continuing for 3 to four weeks as a natural home remedy. Lemon juice once mixed with ground nut oil and so applied on the affected surface may be a superb remedy for pimples. shoe wood powder also can be additional for additional advantage. Cinnamon power mixed with juice additionally works wonders.

Clearer skin tips

dryskinScar creams and gels, siloxane usually offered while not a prescription, these are often used reception to treat raised scars. These product will facilitate cut back the itch and discomfort also as shrink, flatten, and fade raised scars.Silicone dressings and bandages are often particularly useful. though nobody is aware of needless to say however these work, one risk is that siloxane helps hydrate the skin clear, this could cut back the itch and pain also as create the skin additional versatile.

To be effective, these product should be used incessantly. this may be troublesome, particularly for scars on the face. many folks square measure willing to try and do this as a result of these treatments have very little risk of facet effects. Even so, with continuous use, some individuals develop unquiet, irritated skin. This sometimes clears once the person stops exploitation the merchandise.Reducing scar size and discomfort. None is probably going to eliminate a raised scar.

What outcome will someone with skin disease scars expect,Most treatments will cut back the dimensions and visibility of skin disease scars. With time, several of the treated skin disease scars fade, creating them barely noticeable.frequently, so that they have the talents and knowledge required to perform these procedures safely and effectively. whereas dermatologists supply safe and effective treatment for skin disease scars, there is also higher solution: interference. to seek out out what dermatologists advocate visit skin disease scars.

Read More

The Difference Between Probiotic and Prebiotic Supplements

Natural Health Food Supplements

If you have found yourself confused about the differences between probiotic and prebiotic supplements, you are not alone. It was not that long ago that the benefits of probiotics were being widely touted in health magazines. Before long, a wide array of new food products containing probiotics were introduced onto the market. These foods, including yogurt, were said to be capable of providing innumerable health benefits, including improved digestive regularity, increased immune health and possibly even weight loss.

Recently; however, some questions have arisen regarding the true benefits of probiotics. There are even now questions regarding whether probiotics are safe to use. These concerns are all related to the differences that exist between probiotic and prebiotic supplements. Although the names might sound quite similar, these supplements are actually quite different.

Within the digestive system, there are two types of bacteria that exist. They are good bacteria and bad bacteria. Probiotics are the good bacteria that exist within the digestive tract. The idea behind probiotic supplements was to increase the levels of good bacteria in the intestines by ingesting them orally. Since probiotics do not exist naturally within any foods, it was necessary to establish an artificial process to create probiotics. This was done through a fermentation process. A natural probiotic cleanse from premium nutra cleanse vibe is a great way to start off a probiotic regimen

Prebiotics do exist naturally and can be found in a number of different types of foods such as raw Jerusalem artichokes, raw onions, unrefined wheat and barley, raw oats, soluble fiber and kiwifruit. In fact, kiwifruit are known to contain extremely large amounts of prebiotics and phenolics. Prebiotics are important to improved digestive and immune health because they encourage the production of good bacteria within the digestive tract while simultaneously eliminating bad bacteria. This is something that probiotics are not capable of doing. The fact that prebiotics are all-natural is another important benefit because there are no concerns related to the dangers associated with the fermentation process used to create synthetic probiotics.

PREbiotics are found naturally in foods, including:

* kiwifruit
* raw honey
* raw oats
* unrefined barley
* unrefined wheat
* raw Jerusalem artichokes
* raw onions
* soluble fiber
* many others

PREbiotics are demonstrated by many studies showing measurable proof that PREbiotic supplements & foods:

* increase immune performance
* improve mineral absorption
* balance digestive system and bowel pH
* positively affect inflammatory bowel disorders
* prevent and possibly stop early-stage colon cancer*
* reduce the incidence of allergies
* improve heart health

While you could try to consume enough prebiotic containing foods to achieve the same health benefits, this would be extremely difficult to do for many reasons. Primarily, you would need to consume a lot of such foods to attain the minimum level of prebiotics and phenolics. Additionally, there is the fact that the best benefits are contained in the skin of most prebiotic foods, such as kiwifruit. Since the skin is not appetizing or even edible, this presents a conundrum.

It is possible to achieve the health benefits you seek by taking the right prebiotic health supplements. When shopping for a high quality prebiotic health supplement, be sure to look for a product that contains not only prebiotics, but also soluble fiber, enzymes and phenolics. It is also important to look for a prebiotic supplement that is manufactured using a patented process that will not destroy those important elements.

Read More

Basic Weight Loss Exercises

lose 20 poundsWith busy schedules at office a lot of people tend to complain the paucity of time to have a workout at the gym and end up with flab. However, there is no need to exercise everyday for two hours to make you lose weight and becoming fit. It is the cumulative effect of the exercise that matters and not the intensity. A session of fifteen minutes in a day should work wonders for you and by the turn of the year should bring in remarkable weight loss as long as you do not tend to overeat. Effective desk exercises bring about weight loss in you.

Stretching

Stretching is an important exercise that flexes your muscles and prevents stiffness and helps body motion and prevents injuries.

Remain seated in the chair and keep your feet planted wide apart and stretch your arms, with the palms facing each other, over your head as far as possible. Keep your lower body fixed stretch your torso and touch the floor with steady breath. Remain in this position for about five seconds and regain your original position. Repeat this exercise five times.

Stretch your arms above you with the palms facing up and fingers interlocked. Bend to the right side and then to the left side and repeat the exercise five times for both the sides.

Muscle Toning

Stretching exercises prepare your body for action and cardiovascular and muscle toning exercises accelerate your weight loss. You can do a few muscle toning exercises at your office desk itself.Chair Dips is good for your upper body. Grip the edges of your chair and slide forward off your chair in the seated position, till your arms are straight. Next lower your body by a few inches and bend your elbows as you do it .Then hold onto the position and pull yourself up until your arms are straight once again. You can repeat this exercise around 8 to10 times.Chair Squats is good for your core muscles and lower torso, Chair squats is an easy and challenging exercise for you. Stand up in the front of your chair and keep your feet spaced at shoulder width. Next lower your body till your hip touches the chair. Hold on to this position for about 5 seconds, and then slowly raise yourself up without holding the chair for support. Repeat this exercise for about 8 to 10 times.

Cardiovascular Exercises

Cardiovascular exercises will burn a lot of calories and brings in slimming even when it is done for a minute at a time. A little bit of space by our desk will suffice for exercises like a vigorous on the spot run or jumping jack. Alternately, stair climbing or a brisk walk around the office during the lunch break should help.

Regularly doing these exercises will make you stronger and energetic and helps with losing excess calories. Overall these exercises can be done at your work spot and help in shedding weight amidst your busy work schedule.

Read More

Pure Forskolin Supplement & Diet Pills

A lot of people all over the world struggle with weight loss, and while in an ideal world there would be ways to lose weight effortlessly, it is not likely that something like that would happen soon. What has happened however is the identification of some naturally occurring compounds due to increased scientific research in the area that aid greatly in the process of losing weight and help boost a person’s physical efforts.

Forskolin is one such substance that has caught the interest of the scientific community due to some unique properties exhibited by it.

What is Forskolin?

Pure forskolin extract is found in nature as a chemical extract from the roots of Plecanthus barbatus. This plant has a history of being used in advanced civilizations of the past in the treatment of a variety of ailments ranging from allergies, blood pressure control and even asthma.

In a sense Forskolin is being rediscovered by science as more and more evidence of its benefits pile up. It is a little premature to say this; however Forskolin might be the magic pill that everyone is looking for. Knowledge existed about its potential benefits, however it is now being realized that it is the main reason why the plant Plecanthus barbatus was showing health benefits.

Now, that it has been confirmed that this compound can be extracted, purified and packaged without a loss in properties, the possibilities of its use are endless.What role does Forskolin have in the process of fat loss?It is a well known fact that some people have a higher rate of metabolism than others. In simple words, there are some people who can eat as much as they want and they never seem to put on weight (high metabolism), while there are others who put on weight even if they stray from their diet just a little (slow metabolism).

It is this metabolic rate that decides how fast our body burns the calories we take in each day.

For weight loss, Forskolin increases the rate of metabolism in two significant ways. The first is providing a boost to it in the short term which helps a person lose weight and the other is to reset the bodies resting metabolic rate.

It is this second effect that is causing all the excitement. This means that people will be able to maintain their weight loss easier as they will continue to burn more calories even while they are at rest. This is the same effect that is seen in the body after a bout of intensive physical exercise.Now, these effects alone are enough for Forskolin to be taken seriously as a weight loss aid, however it still has one more ace up its sleeve. This is the promotion of lean muscle formation. As you work out, you want to see a change in physical appearance while getting healthier and losing weight too. This is what lean muscle helps you achieve.

It has the potential to help transform your physical appearance. In fact, nowadays most traning and work out programs are designed to help in the formation of lean muscle in the body.

Some advantages that Forskolin containing supplements have over others are:

It is completely natural. It exists in nature and is just being repackaged to make it easier for people to take.

It has the backing of the scientific community who have put the compound through its paces in controlled testing conditions.

No side effects whatsoever. All major scientific studies that were conducted on Forskolin came to this conclusion and declared it safe for use.Are there any drawbacks?It is always better to have a complete knowledge of any possible adverse effects that might be faced when taking this compound with a view to lose weight. The truth with this compound is that current knowledge shows no major drawbacks to using Forskolin. However, it should be kept in mind that there may be new revelations as scientific work continues.

An increase in testosterone is one thing that is seen in a few people taking Forskolin. While that may be desirable for males, it can have a few negative ramifications for the females. Whether this is enough to offset the natural testosterone balance that exists in females is being studied although is extremely unlikely.

Conclusion

We might never find the perfect weight loss supplement and some hard work will always be necessary. However as with any other thing, continuous scientific endeavor will provide us the necessary tools to make our work easier. Forskolin has the potential to be that boost that a lot of us could use.

Read More