10 Tips to Survive Income Loss
- Created on 04 June 2013
In the last few years, my family has endured several facets of income loss. By God’s grace, we’ve never missed a major payment or a meal. However, income loss through voluntary or involuntary means is no picnic. The recent federal government sequestration brings to mind how quickly outside forces can impact one’s bottom line. It’s easy to disconnect across the board budget cuts from individual families with bills to pay. Whether you must endure income loss because of organizational belt tightening or job loss of your own choosing, considering the following tips to survive the transition.
Credit Score Tid Bit
- Created on 28 May 2013
This tid bit was shared via Aja Williams, friend of the Debt Free Divas. We like to pass good information along. Enjoy!
If you've ever thought "how can I get my credit score up" or "Is my credit score good or bad?" Read on!
Credit Score is a combination of: 35% payment history, 30% amount you owe, 15% length of your credit history, 10% inquiry or new credit and 10% types of credit used. So how do you boost your credit score??? PAY YOUR BILLS ON TIME - 35%!
Credit Score rating breakdown:
Good score 675-719
Fair score 621-674
Poor score 620-below
Recovering From ID Theft
- Created on 16 May 2013
We recently received a question via Facebook.
I feel my personal information may have been compromised by a coworker this week. Do you have any recommendations, for a credit alert company? Please let me know, as soon as possible. Thank You.
According to the Federal Trade Commission, nearly 9.9 million people a year, including this Debt Free Diva, are victims of identity theft. In my case, one instance was a family member misusing my credit. The other two were perfect strangers. In each case, I’ve been able to restore any damage to my credit or missing funds from a bank account. However, the frustration of dealing with each violation leaves a lasting impact. One must be diligent to protect yourself from others who would seek to do you harm. I’ve learned the following from my ordeal and don’t mind sharing.