Let’s not beat around the bush here. Everyone wants to have a great credit score but not everyone is disciplined financially. Many people abuse credit cards, racking up consumer debt on clothes, fast food, luxury items, and really just things that they don’t need. What happens is that these same people can’t pay off the debt when the payment is due. So, they make the minimum payment month after month. Credit card companies take notice of these transactions and give them a horrible credit score. Because they got themselves into a hole, banks and credit unions won’t give them loans for things more important like auto loans or even mortgages. The good news is this doesn’t have to be you. If you use a credit card the right way, it can actually be very beneficial. In this article, I am going to be breaking down the top way on how you can improve your credit score using a very simple method.
- Pay off all debt
In order for your credit score to get better, you must show credit card companies that you can pay off the debt. When you finally get above water and make regular payments like you are supposed to, you will most likely notice that your credit score has improved. If you are dealing with larger debts, I would highly recommend using the debt avalanche method. This is where you pay off the debt with the highest interest rate first. This saves you money over the long run.
- No cash, no credit.
If you can’t afford to buy something with cash, don’t buy it. For beginners, I would recommend using credit cards for minor expenses like gas and groceries, things you know for sure you will be able to pay off when the payment is due.
Out of all the credit companies out there, I would recommend going with GreenSky Credit. At GreenSky Credit, they are very credible. GreenSky Credit has a staff that is committed to giving you the best loans possible. GreenSky Credit also has funded over one billions dollars worth of loans over the years. In the end, choosing to do business with GreenSky Credit is a wise choice.
Self-driving cars have long figured heavily in science fiction and futurist movies and literature. For almost as long as the automobile has existed, futurist authors have dreamed of the day in which people will no longer have to involve themselves in mundanities of driving. This dream would usher in an era of unprecedented productivity, particularly for those who are bound to commute to their jobs long distances every day.
One of Arizona’s most prominent and successful entrepreneurs, Jason Hope, has recently begun blogging about the coming technologies of Internet of Things. Hope says that one of the areas that will most profoundly transform the way in which everyday Americans live their lives will be in the area of self-driving vehicles. Hope says that, far from being science fiction, driverless cars are already here today. Contrary to what many reports have stated, Hope says that driverless car technology is already completely viable. This includes the ability of cars to even drive on surface streets. Hope says that many people do not fully appreciate the extent to which driverless car technology has progressed over the last five to ten years. The only thing holding back driverless cars today, he says, is the legislative will to allow these vehicles to traverse the public highways.
Hope believes that, although it’s inevitable that these vehicles will eventually become ubiquitous on America’s highways and streets, it is still imperative that state legislators allow for the full legalization of these autonomous vehicles. Hope sees the increases in productivity possible through the use of driverless cars as being far greater than many people initially give credit.
For example, one of the great possibilities of driverless cars is not just the ability to remove the driver from the responsibilities of monitoring the ongoing progress of the drive, it is also the ability of computers to safely operate at operational envelopes that far exceed levels at which humans can safely function. For example, Hope believes that driverless cars will eventually be able to exceed 200 miles per hour on the highway. This would effectively put private-jet-like capabilities into the hands of everyday Americans, dramatically reducing travel times for everyone.
About Jason Hope: https://angel.co/jason-hope