Placing The Finishing Touches On Your First Home

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Moving into your first proper home is a true life milestone, something that fewer people each  year seem to be able to achieve. Remember – no matter how humble your home is, if it’s yours, it’s yours, and you can make it a beautiful home perfect for your family. For this reason, it’s worth considering the little elements that transition a building from a house to a home, and what that means in the long run.

In this guide, we hope to discuss that wonderful fact, and potentially help you develop a more competent and coherent outlook when decorating your home to your own personal standards. Remember that while there are some ground rules that anyone can recognize, there are no ‘rules’ to this effort, per se. What matters is being creative, focusing on function and form, and enjoying yourself. 

Furthermore, you don’t have to worry about making a home perfect for you in the span of one week. It takes time to settle down, and to feel provided for. Try not to forget that, because it can make a tremendous difference.

With this advice, you’ll no doubt see just why that is:

The House Number/Name

It’s nice to have something that marks your property as its name or number, and of course, this is also important if you hope to have deliveries placed seamlessly at your door. If you have a particular name for your property, it can be nice to have it carved in wood and proudly shown at the front of your house, or perhaps next to your garden gate. Numbers can work the same, with proudly crafted ironwork number plates that stand the test of time. A little embellishment hurts nobody.

Your Exterior Mailbox

If you have an exterior mailbox, the condition of which can truly contribute to how your home looks and feels. Furthermore, it will serve a dual purpose of keeping your mail safe and cared for. Your exterior mailbox, in this capacity, is one of the first functional decorations anyone sees, and so it can really define how your home is seen then on. That might sound silly for such a small implement, but it’s true. You may even add a little flag that could be upturned when the mailbox is full, or, perhaps, you can simply place a mailbox for packages next to your front door, that drops down and collects the parcel when placed in the enveloping hood. 

Perfecting Your Driveway

Perfecting your driveway is often a great idea, because it will not only be used for years and years (or even up to a decade if you’re lucky), but it can prevent chips and wear at the vehicles that use it, as well as ensuring that it stands firm against potential weather damage. In this respect, you’ll find that thorough and properly laid driveway paving helps your home take on not only an essential function but a new and uniformly applied aesthetic worth caring about.
With this advice, you’re sure to remain placing the finishing touches on your first home.

The Things That will make you know you’re officially an adult

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Of all the things we were taught in school or by our parents, the biggest thing was that there is no real moment in time where you truly know you’re an adult. Physically, you could get to 80 years old but still feel mentally as you did at 21. 

However, there are some real home truths that will remind you that you’ve made it to adulthood on a daily basis that will have you thinking ‘yeah, OK, I guess I’m an adult now…’ 

If you read some of these things below and find yourself agreeing aloud- welcome to the crew. You made it. It’s OK, really…

You Got Bills (and mortgage, tax, insurance, car maintenance)

When you were a kid and starting to look at jobs you may have looked at jobs and thought of all the wonderful and fun things you could buy with a $18k salary after you left college. But for an adult facing the stark reality that if you want to keep a roof over your head, $18k really isn’t going to get you very far at all. That’s a harsh reality of adulthood–your entry level job may not give you the lifestyle you wanted. You get your salary in your bank and then it’s stolen by rent, utilities, your car, and then you’re left with pennies at the end of the month. Having too much month at the end of the money is one of the biggest signs that you’ve unlocked the adult achievement. 

You Relish The Thought of Being On Your Own 

You work hard all day and then might spend time crammed up against people on the train on the way home so the thing you crave most is being on your own. Kids hate the idea of doing anything on their own, but by the time adulthood comes, you feel lucky if you can spend a few hours  on your day off at https://www.laurelridgeexperience.com/golf-course rather than having to do boring things like clean your car or go grocery shopping. Dull! 

When a spouse and/or kids come along — you can forget it! 

You Can Eat Whatever You Like–But You Don’t 

If you have kids, then you know that if you ask them ‘What do you want to eat?’ they will reply with a list of all of the things that scream ‘blood pressure meds’ or ‘high blood sugar’. Yes, you’re in charge of the grocery shop now, but you know that if you eat like a literal child let loose in the candy shop your aged body will not thank you. Eating poorly as you get older will make you realize exactly why your mom would enforce the occasional broccoli floret on your fork as you navigate through dental and medical bills to boot.

All in all, the realization that you have become an adult isn’t so bad. You get to earn your own money, eat what you want and drive a car- what could be better than that?

Moving Into Your First Home: Essentials That You Might Overlook

There might be a lot of reasons for you to buy your first house. You might want to start a family or just invest in real estate after saving a considerable amount of money. After tons of research, house-hunting every day and countless realtors, you’ve finally found a house worth living in. Now that you have finally signed the papers, it’s time to set up your new house. There are a multitude of things that you have to take care of before shifting. Shifting is quite a hassle for most people, with the endless hours of packing and getting ready to move, it can be quite overwhelming to stay on top of what all you might need for your new house. To ensure that you are not caught off-guard, we have curated this list of essentials for you so that your move can be made as easy as possible.

Cleaning supplies

The worst kind of feeling is moving into a new home and not being able to spend the first night there because you forgot to get cleaning supplies. There can be quite a lot of cleaning to do once you have unpacked most of your boxes. Be sure to pack up a broom, tile cleaner, detergent, a lot of sponges and even toilet cleaners. Every new house needs to be cleaned regularly for a week in order to get the dirt out from every nook and cranny. It is important to clean the walls, cabinets, kitchen countertop, the sink and the floor before you start unpacking in your new home.

Lockbox

It is well advised to keep a lockbox that contains all your important documents and other expensive belongings. Even if you hire a moving truck to help shift things for you, carrying this lockbox yourself will give you the peace of mind of not losing your valuables during your shift. A few weeks before shifting, gather all of your important documents and valuables into a safe or a box in order to keep your birth certificate, educational certificates, passport, banking statements and other important documents. You can always buy a bigger box to keep your expensive jewelry in too.

Hangers

You have finally bought your first house. Most people want to organize every part of their house perfectly. If you are one of them, one important thing to remember is to bring hangers. If you have a house that has huge closet space, hangers are the key to help you organize it into a dream space.

Home security

One of the most important things to remember is to get a security system installed at your new house. No matter how safe the neighborhood might be, it is always better to keep your safety in your own hands. The experts at https://ccsecurityservices.co.uk/commercial-security/ suggest using modern technology to keep intruders out of your house. There are a ton of home security options available in the market today. You can browse the various alarm and surveillance systems available at your location. These systems offer round-the-clock protection to your house from burglars. Some modern systems also notify you on your phone if suspicious activity is at play.

Smoke detectors

Now that you are a home-owner, it is time to pay attention to things that were always installed in your previously rented accommodation. This includes, but is not limited to smoke detectors. They can help you prepare for the event of a fire if they are placed strategically in all the right places. It is your responsibility to ensure safety for everyone living in the house. There are even detectors available in the market that not only detect smoke but carbon monoxide as well.

Fire extinguisher

Since we have already talked about smoke detectors, a fire extinguisher should obviously be on this list as well. In case of a major fire that cannot be put out easily, aerosol fire extinguishers should be invested in for your house. They should be kept in fire-prone areas, such as your garage workstation or in your kitchen.

A new lock

The first thing you should do when you reach your new home is to change the locks. It is important to remember that you are not the only one to ever call this house their home. The previous owner might still have the keys to the house and to make sure that you are the only one with a pair of keys to your home, it’s best to change the locks.

Shifting into your new home can bring a lot of emotions to the forefront. Be prepared to handle anything while making the move to your new humble abode. Use this list to help you ensure that your first home is a happy and safe house.

5 Things To Consider Before Buying New Doors For Your House

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If you’re looking to replace the doors in your house but you’re unsure where to start then don’t worry, you have definitely come to the right place. Whether you’ve just moved into a new house or you fancy a little bit of a change, you need to ensure you know exactly what you’re doing when it comes to buying your new doors. From measuring the right size to setting yourself a budget, the more prepared you are the better. With that in mind, here are 5 things to consider when buying new doors for your house: 

– What Is Your Overall Budget?

One of the first things you need to consider when it comes to buying new doors for your new house is your overall budget, as this will ensure you’re not spending more than you need to. Whether you’re buying one door or you’re buying ten, you need to be sure you know exactly how much you’re expecting to spend. The best way to do this, of course, is to research the average prices of the doors you’re looking for at several different retailers. It will take some time but you’ll have a much better idea once you’re done. For a guide to setting a budget for home improvements, you can visit this site here. 

– Where Do You Need Them For? 

Another important thing to think about is the rooms that you’re going to need them for. Although you may not need to replace all of your doors at once, you might want to consider whether or not you want to have matching doors throughout your home. If so, you’re going to need to replace all of them. 

– Have You Done All Of The Proper Measurements?

Once you know where you’re going to be using your new doors, you need to measure each and every door frame separately. Although you may think that all of your door frames will match, you may find that one of two of them are out by just a couple of inches. To avoid buying the wrong sizes, it’s much better to measure them all in advance. For tips and tricks when it comes to measuring your door frames, you can visit this site here. 

– What Type Do You Need?

Another thing to consider when you’re looking for door manufacturers is what type of door you’re looking for. With various different options to choose from, it’s important for you to do as much research as you can beforehand. 

– Where Are You Going To Be Buying Them From?

Finally, you need to think about where you’re going to be buying your doors from. Although you may not have many choices locally, you need to choose somewhere that you know you can trust. 

Are you looking to buy new doors for your house? What do you need to consider to ensure the process is as smooth as it can possibly be? Did we miss anything? Let me know your thoughts and ideas in the comments section below.

Measures To Take After Dropping Your iPhone In Water

Are you one of those who have lately dropped an iPhone in water? Don’t panic! This does happen sometimes, but if you act smartly, then you can actually save your iPhone without any difficulty. Several people suffer from iPhone water damage every now and then. While the brand-new generation is water-resistant, it isn’t completely waterproof. Moreover, the feature is not accessible in the most utmost of the iOS devices.

So without molding things, below are some of the quick solutions that you can implement to save your device from water damage.

Remove the device from the water instantly

The longer your cell phone stays sunk, the more possibility it has of shorting out. So it is important to promptly remove the device from water because swift reflexes can make a lot of difference. Also, it actually decides whether your iPhone will exist or die.

Switch it off immediately

After removing your cell phone from the liquid material, you need to switch it off instantly. Due to the conductive nature of electronic appliances, interplay with liquid materials can lead to a short circuit. Apart from this, do not charge and do not connect any other devices with it, until it properly dries. This measure is crucial for saving it from lots of internal damage. 

Wipe the liquid and make it dry

In order to wipe the liquid, use a sponge cloth or paper towel to dab your phone dry. Do not rub the cloth hard, because it could inadvertently force liquid into the phone’s more delicate parts. If the phone was fully sunk, you might try vacuum-cleaning around the phone’s holes and openings to absorb more liquid out. Apart from this, do not allow your device to come in contact with the sun. Also, do not place the device in a container filled with uncooked rice. Pete Turley from Bulldog Mobile Repair says that contrary to popular belief, putting an iPhone in rice after dropping it in water doesn’t help your phone but instead makes the water set into the motherboard. People make such mistakes which in result leads their iPhone to more damage. So always, keep in mind to place it in a cool and dry place.

Leave it to dry for at least 24-48 hours

Do not get over-excited and turn your phone ‘On’ before waiting for at least 24-48 hours until it dries. Install your SIM card in a spare phone in the meantime if you can to assure that you’re still contactable.

Visit the nearest possible store

Unluckily, if you have examined all of the above methods, but still your iPhone is still not answering at all, you should visit a nearby authorized store. They may better help you with it and may further solve your problems.

We hope that trying these measures may help you get your iPhone back to life. That’s just what we have to say regarding the wet iPhones. Now it’s up to you what to do if you drop your iPhone in water.

How Healthcare Continues To Improve

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We take a lot for granted in the modern world. Though it might not always appear to be the case, the world continues to improve in almost every sphere — we’re smarter and healthier than in times past, and there’s much less crime than at other points in the past. While it’s far from a perfect world, there’s much to celebrate! And especially in the world of healthcare. Below, we take a look at some ways that it continues to improve. In the world of health, the future is bright.

Hospital Experiences

Thank your lucky stars that you didn’t get sick in days gone by. You might have been able to find a doctor to treat you, but there would be little guarantee that it’d be an enjoyable experience. Indeed, quite the opposite. That’s all beginning to change now. Now, hospitals don’t just focus on the specific illness or condition of the patient — they work to ensure that their overall experience is positive. That means an improvement in the comfort of their stay, the quality of the food, and all-around service. That’s helped make hospitals less intimidating places, which has historically been the case.

More Focused Care

Another great stride has been made in the area of personalized care. In the past, the focus was more of a “one size fits all” variety, which was too limiting — people of different backgrounds, races, genders and so on have different needs. Unless those needs were in line with the most prevalent needs, then they were overlooked. Now, doctors are able to offer more detail, personalized care. This has to lead to new services being offered to communities that were historically overlooked. For example, Cynthia Telles and Kaiser Permanente are working on improving the unique mental health needs of the Hispanic/Latino community. This shift toward more focused care has made healthcare more accessible, and, generally, better for all.

Data Overlaps

There’s also the matter of data, which is now more readily and easily shared among different healthcare practitioners, which has made it easier to spot healthcare conditions more easily.

Integrated Technology

Of all the shifts that have taken place in the healthcare industry, it’s the integration of technology that has had the biggest impact, and which will likely be the defining trend moving forward. Improvements in this area have lead to faster and more accurate diagnosis’, better communications, and better treatment. In the future, it’s possible that AI will be implemented to spot health problems before they’ve materialized, and there’ll also be robots that assist in the surgery room. Human errors account for the vast majority of medical errors — and technology is beginning to reduce those numbers.

More Mobile

The hospital as the beginning and end of medical treatment is also beginning to change, too. Now, healthcare is more mobile. Doctors take trips to patients in their homes, patients can choose to stay in their house rather than as an in-patient, and there are even consultations online. This has been a great deal of control back in the hands of the patient.

Rebuild Your Life After a Serious Injury

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Nothing can compare to the experience of narrowly escaping death. Escaping an accident can completely change your life – from the way you perceive the world around you to the ambitions and goals you set yourself.

But while such drastic change can be incredibly positive in the long run and give you a chance to remake yourself as a better person, the process of rebuilding your life can be tricky to say the least. Even the most optimistic people will need some help and guidance along the way.

Take Legal Action

No-one wants to be litigious but after a life-changing accident, you must turn to the law to ensure that you get the compensation you deserve. If nothing else, you will need to pay for your treatment and recovery as well as cover any lost earnings.

Finding the right lawyer to represent you is really important. In general, you should choose someone you trust who has a lot of experience dealing with cases that are similar to yours. For example, if your accident was caused by an 18-wheeler, a semi-trucking accident attorney is the most likely to understand your case and how best to present it in court.

Reassess Your Priorities

When life trips you up, it can be a good opportunity to reassess what you want, what your goals are and how your lifestyle could be improved. For many people, the recovery process isn’t just about learning to cope with the lasting effects of an injury; it is also about figuring out a new way of living that gives you a sense of fulfillment.

There are a few practical things you may need to consider such as retrofitting your home but you should also think more holistically. What would you like to achieve with your life and how can you do that now? Take things back to basics: consider how you want to feel and what you can do to achieve that. For example, if you have lived a stressful life so far, perhaps now the pursuit of calm would be most fulfilling.

Go Slowly and Take Your Time

Rebuilding your life won’t happen overnight. You need to take your time and allow your body and mind to heal. This is particularly tough for people who have a lot of drive and determination so try to be mindful of what is happening and teach yourself to relax.

Noticing the progress you make – even if it seems barely worth mentioning – is a really good way to feel like you are on track. The small things will quickly start to stack up so that when you look back on your week, month or even year, you will see how far you have come. Tell yourself the narrative of your recovery and congratulate yourself on your progress.

Rebuilding your life after a serious injury isn’t easy but it can be an opportunity for change and growth. Knowing that you are taking even small steps towards becoming the person you want to be will help you to feel more positive about the future.

Is Career Planning Possible in 2019?

The nature of work as we know it is changing almost faster than we can master our current roles. The rapid advances in technology and its impact on both the job market and the economy have made it more difficult than ever before to confidently map out career advancement.

When you don’t know which jobs will even exist in five years, how can you strategize to get ahead? Despite the obstacles though, career planning is in no way dead. Instead, young professionals need to adopt a new method of career planning. The very components that make modern career planning possible are oftentimes those that are also invaluable within the current and future job market: flexibility and adaptability.

Don’t Rely on Experience Alone

Traditionally, experience has been the foundational piece of career planning. You put the time in on lower rungs of the career ladder, and that allows you to move up. But modern professionals would be remiss to simply rely on their level of experience. In a world where things are changing rapidly, roles have to be filled by individuals who don’t have direct experience.

Research has demonstrated that one’s propensity to career adaptability is a primary indicator of one’s likelihood of success not only professionally, but also in other areas of life. To ensure you’re doing all you can to remain competitive within you field make sure you are:

Stay informed: While you may not know exactly where you want to land down the road, you should still be making an effort to stay informed and up-to-date within your industry. Read publications, watch other companies, and ultimately, don’t lose the handle you have on the direction and priorities of your industry.

Unlearn the old: A recent survey found that the primary concern of employees is that their job will be obsolete in the near future, and half believe their specific skill set will be unneeded. The key to dealing with that reality is to be willing to let go of the former methods and processes that got you where you are when they become antiquated.

Refine your skills: The career planning master is also a skill refining master. Knowing what’s coming next for your industry and unlearning the old is only the beginning. There’s value in pairing experience in your field with insight and a clear understanding of where the future of your industry as a whole lies.

Remember Your Connections

In many fields, networking is a fundamental part of getting the job you want. In a pile of cover letters, having a connection can be the only thing that gives you a competitive edge. As you consider your networking connections there’s value in seeing two, distinct sets of relationships.

The Old: The pre-existing connections you have are likely to be swept up in the changes of the marketplace right along with you. In that case, there’s value in continuing to build the relationship, even if you shift directions.

As the president of the New York Stock Exchange told Fast Company, “It doesn’t matter if someone is inside or outside of your industry, if they are interesting and influential, be willing to commit time and/or resources to meet, connect or help that individual.”

The New: What is equally important in the rapidly evolving professional climate of today is that the connections you have are also evolving so that they continue to be a helpful component of your career planning. If your connections aren’t refreshed they will fail to accurately align with your interests and priorities.

Thus, there’s value in networking in the area you’re hoping to head. When doing so the business professionals at Rutgers University recommend, “If you don’t have experience in an area, expertise with a particular type of software or other qualification, don’t try to make it sound like you do. Being truthful about, both your weaknesses and strengths will prove that you are willing, to be honest, and humble and can communicate a host of attractive characteristics to a potential employer, partner, or contact.”

Constantly Reassess

As we noted at the beginning, a key to success as we move into the future will be fostering adaptability and flexibility and leveraging them to move into new positions. There’s value in proactively making sure that your skills, experience, and connections all work together to give you the best possible chances of achieving the career goals you plan.

Additionally, it’s crucial to constantly reassess your progress and use that information to steer your career in the right direction. Are you doing what you can with the understanding that the things that have gotten you where you are, are unlikely to get you where you want to go?

If there are areas of your career development that are growing stale or lack any recent changes, brainstorm on ways to foster growth there.

Lastly, in the interest of a reassessing your competitiveness in relation to your plans, actually set goals. Make plans for the next quarter, year, and three years and reassess your progress and attitude towards those goals on a consistent basis.

Certainly, the day when seniority meant you were essentially a shoo-in for the corner office is gone. Today rapid changes in technology are impacting virtually every industry under the sun, and the jobs that make up those industries are evolving at rapid rates.

However, the key for young professionals seeking success is not to allow themselves to be drug along by the rapid advances, but to proactively participate in them. The new age of job creation and retention has provided new opportunities. Because there’s often a need for people who don’t have direct experience, the individuals who land the jobs are often those who worked hard on what may have traditionally seemed like secondary things like relationships, soft skills, and flexibility. The good news is that those things are there for the taking.

What Are The Odds of That?

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The Powerball is currently at $369 million. The highest ever price pot was $1.586 billion. An eye-watering amount of money, with an equally jaw-dropping long shot chance of winning. The odds of winning the Powerball or Mega Millions stands at 1 in 292,000,000 to 295,000,000 million. But even the smallest of chances is still a possibility? Here are some odds that might surprise you.

There is a statistic that has tracked the odds of getting injured by a toilet. The chances that you are non-fatally injured in or around the bathroom is 1 in 10,000. That is around the chance of winning an Oscar, 1 in 11,500 or the probability of finding a pearl in an oyster, 1 in 12,000. All these are more likely than winning the lottery, so perhaps it’s time to spend the lottery money on some acting classes?

Another great trivia is the chance of getting hit by lightning. Although this is only 1 in 700,000 per year, it gets more interesting if you calculate the probability over a lifetime, 1 in 3,000. That seems a lot more likely! Best start reading up on methods to avoid being hit! And what about the fear of flying? Odds of dying in an airplane crash is 1 in 205,552. Flying is arguably less safe than taking a bath. Drowning in the bathtub odds are 1 in 840,000. But thinking that a bathtub is 4 times safer than an airplane is quite odd.

And you might have thought that shark attacks and quicksand would have been a bigger issue growing up. The chances you are attacked by a shark is 1 in 3,748,067. Not sure though if that statistic is for all people or just those who swim in the ocean. For quicksand the mortality number is 0, i.e. people don’t really die from quicksand. You have a better chance of giving birth to twins, 1 in 250. Or winning the McDonald’s Monopoly game, 1 in 451,822,158. Those are long odds, especially considering that the odds of dying from a bee, hornet or wasp sting are 1 in 6,100,000. Note that it’s harder to win the McDonald’s Monopoly game than it is to win the Powerball or Mega Millions.

The odds of being involved in a car accident in the US is 1 in 163. Considering our musings around winning the lottery, this seems much more likely to give you a pay-out, granted you are not the one responsible for the accident. So, when you find yourself needing to get some legal advice on an automotive accident, get some additional details.

If you work out the chances of being in a drunken car crash over a lifetime, that number will dramatically increase, namely 2 in 3. So, the message is: always get a designated driver or Uber!

And if you ever win a significant sum of money, make sure to get receipts for everything! Be aware, the odds of being audited by the IRS is 1 in 160, which gets higher the more income you have.

Credit Scores: A Plain-English FAQ

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Your credit score is a three-digit figure that has the power to control a huge number of areas of your life – yet the realities of credit scoring remain obscured by myth, confusion, and lack of transparency. This is concerning given the power that credit scoring has, and can mean that a vital component of the overall management of your personal finances is deeply misunderstood.

In an effort to shed some light on the realities of credit scoring, below, we’ve put together a list of the most common questions people tend to ask about the practice, along with the answers you need to know. So, without further ado…

What is a credit score?

A credit score is a three-digit number that is used as a reference point for your personal financial management. Credit scoring is popular with banks and other financial institutions as it allows for a quick, at-a-glance assessment of the way you manage your finances, and has become the primary method by which applications for credit are assessed.

Who decides a credit score?

You may be surprised to learn that you do not have a definitive “credit score”; the number can vary between companies, though they will usually be fairly closely aligned. The companies that compile your credit scores are known as credit bureaus, the best-known of which are Equifax and Experian.

Credit bureaus effectively act as a third party between you and the companies you hold a financial history with. If you apply to a new lender, the lender will “ask” a bureau for your credit score, and then interpret that score based on their own criteria.

So you can have a credit score with a credit bureau you’ve never interacted with?

Yes. Credit bureaus are not financial institutions in and of themselves, and you don’t register an account with them or apply for their products. Their role is to act independently, assessing your financial affairs and then providing a quick summary of that assessment – as your credit score – when you apply to a new lender.

What information do credit bureaus hold?

  • Your personal details, such as your name, phone number, and address
  • Any existing debts you have
  • Your existing financial products, such as bank accounts, loans, and credit cards
  • Information on your utility bills, such as whether they are well-managed or in default
  • Your current and past income
  • A history of defaults against your account; for example, if you have missed payments on your credit card in the past, the credit bureau will know this
  • Details of any financial relationships you have with companies, such as your cell phone contract
  • Details of any personal relationships you have that may influence your finances, such as someone you share a home with

How is a credit score created?

The exact methodology is something of a trade secret, but credit scores are essentially formulated by assessing your income, your existing debts, and your history of financial management (such as whether you have any defaults on your file) to produce a number that is designed to be reflective of your creditworthiness.

What is a good credit score?

With credit scores, the higher the number is, the better; your score would need to be over 670 is considered to be ‘good’. The current US average credit score is 687.

What is the impact of a bad credit score?

If your credit score is ‘fair’ or lower, then you may find that you struggle to obtain financial products such as loans and credit cards. However, there are exceptions to this, and some specialist companies will offer lending to those with lower credit scores, and you shouldn’t have too many problems finding bad credit loans near you with a little searching. Similar options are available for credit cards and, to a lesser extent, mortgages, though this may depend on the amount you have available for a deposit.

Outside of the financial implications of a bad credit score, you may also find that a bad credit score influences your ability to find jobs or even rent an apartment. The use of credit scoring to assess these kinds of applications is rather dubious but is nevertheless a reality for the moment.

Can bad credit scores be improved?

Yes, to an extent.

You can improve a bad credit score via a number of different methods, but it is important to note that these methods cannot fix a bad credit score – they can just improve it from its base starting point. If your credit score is being impacted by signs of previous financial issues – such as defaults or late payments – then there is relatively little you can do to ‘fix’ the score in the short term.

So these signs stay there forever?

Thankfully not; after six years, all defaults and similar issues will be automatically removed from your credit file and will no longer be considered when calculating your score.

There are also some suggestions that defaults tend to lose their power over time, though this is unconfirmed, and may be more hearsay than anything. However, many people have found it to be true, so it’s worth knowing: a default that has been sustained in the past 12 months may impact your score more dramatically than a default sustained five years ago would.

Can I challenge my credit score?

If there is information on your credit score that is incorrect then yes, you can challenge this with the credit bureau who has recorded the inaccuracy.

However, you cannot challenge information that is correct; nor can you ask for defaults that have been fairly applied to be removed. Credit scoring is used by companies as a way of protecting themselves when lending; as a result, there is a huge onus on credit bureaus to provide a genuine representation of your financial management, so there’s no way to persuade a bureau to remove less-than-ideal information from your file.

In conclusion

By paying close attention to your credit score, protecting it, and – if necessary – improving it, you can be confident that a crucial element of your personal finances is well under control.