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A post-game apolitical commentary

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Well, that was something.

It’s time to let it go. Maybe we can all agree not to wear our made-in-China political merch 24/7 and turn the online virtue-signaling down a notch or two.

Let’s allow one bumper sticker per vehicle and the occasional meme if it’s genuinely funny, but if you’re going to roll up in a $50,000 pickup wrapped with glamour shots of your preferred dear leader and statements of your core beliefs, you’re going to get side-eyed in our brave new world. Because that’s a little nutty, dude.

For once, maybe we need a boring guy with very little flavor in the White House. Somebody who’s almost no one’s first choice, but we can all agree isn’t trying to leverage the office to increase his Twitter following.

We probably won’t return to where it’s almost rude to bring up politics in mixed company, but maybe we can let everything recede a bit. Let’s get back to where we were dog-cussin’ both parties and acknowledge that most of the time politics doesn’t impinge on the way we live our lives. And that there’s very little we can do about it anyway.

Sure, on a local level, you might be able to get something done. Maybe you can help elect a school board candidate or get a pothole filled. A vote is a vote, and despite what some people might try to tell you, they all count. But the chances of your particular vote affecting a national election are pretty negligible. (I’ve heard one in a billion, but that sounds high.)

There’s only so much we can do. And we should do what we can, but also recognize that we cannot change the world. And that worrying about what we can’t change is a waste of effort and probably a good way to make ourselves unhappy. Which is why it’s best to not think about politics most of the time.

Politics, when done right, is pretty boring to most people. The decisions made by those we elect make a difference, and it’s understandable why some people become deeply interested in the details of these transactions. Some enjoy the drama. They like to follow the personalities and root for the interests with which they have–often for reasons that have little to do with their own particular situations–aligned.

Some people identify as political junkies. Some people are hockey fans.

What’s distressing is the sheer number of Americans who have adopted politics as their favorite pastime. They dress in team colors and attend to the homer entertainment channels–MSNBC, Fox, OAN, CNN, Breitbart–that cater to their tastes. We ought to stop that and find something better to do than bask in the stupefying glow of the made-up 24-hour news cycle.

Because there isn’t enough news for a 24-hour cycle; about 23 and 3/4 hours of programming on any particular news channel is likely to be fake outrage or some failed comedian auditioning for his own cult by going on about evil rich or poor people in between ads for credit repair and uncirculated American Silver Eagle coins. It’s designed to keep you watching, to hold your attention so they can sell you to their advertisers.

But you knew that, because you’re an adult. Right?

You’re not like the people you see on Facebook pretending to be constitutional scholars and epidemiologists holding forth on platforms in the public interest. You know exactly what the limits of your expertise are and don’t offer up your advice for free.

You’re not one of those people still posting about face-swapping, clones and adrenochrome.

We need more sports and movies now, more music. In a good society, we should be able to ignore politics and simply attend to occasional civic rituals, which re-occur like necessary chores. We should be free to be apolitical. If you’re going to be obsessed by something, it ought to be deep and soulful, not the performative wolf-crying of men and women who mean to make a career of presenting themselves as leaders. Baseball is something more worthy of your investment.

No one should care as much about politics as a lot of us have these past four years. But let’s hope these years were extraordinary, as in not normal. And that while the trauma and damage they inflicted was very real–for a while there you could see the American id roaring and thrashing; you could see the beast inside–we are returning to a less dramatic, markedly calmer state.

We have managed to stuff a monster back in the closet. It’s not gone; all that rage will still find weak points and fault lines to exploit. We will still have school shootings and atrocities committed by the damaged and the prideful, but it’s probably going to be a while before the war on decency throws up another avatar as bald and raw as what we’ve just seen.

The next would-be dictator–and there will be another one–will be smoother and smarter and less reliant on simplistic slogans and obvious lies to stir the passions of the aggrieved.

The next one will present as rational and reasonable and data-driven.

That’s just evolution, which is science, which some of you don’t credit. That’s OK. Science, unlike magic, functions independently of faith. Someone is going to do the math and find a way to determine the best choice in any given situation.

The days of intuition and talent are numbered. Big data is going to reduce us all to tendencies and probabilities. As mysterious as we may seem to ourselves, given a big enough sample size, we are all parsable.

We should welcome our nerdy overlords. They will unlock the math, and it will become a question of making optimal decisions. They’ll bleed the art out of politics, just like they have poker and basketball.

I don’t know what to do about them, short of acknowledging that facts matter and that the end of history is still out there beyond the horizon. It’s not inevitable that the good guys win; looking back over the centuries, it’s not clear if the good guys even have a winning record. It’s been a pretty good rivalry.

We made it. Take a deep breath, but leave your mask on. Pitchers and catchers report Feb. 12.

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Millennials Credit Scores Had A Major Boost

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New York, May 11, 2021 (GLOBE NEWSWIRE) — The unpredictability of the 2020 economy had very few positives to report on. However, one ray of light across the board was that the average FICO score for U.S consumers hit a record 710 last year, with millennials leading the way, boasting an 11-point increase.

Credit scores are important for millennials. Aged between 25-34, they are the generation who grew up during a changing financial climate, where more emphasis was placed on having a good FICO score in order to be approved for the likes of mortgages, auto loans and credit cards.

Yet not all US millennials had such a good year when it came to credit. Many are still struggling to gain the financial backing they need for both their personal and business life, and as a result aren’t benefiting from lower interest rates, higher credit limits, or access to better offers. 

If you’re a millennial looking for credit repair, the team at Credit Planned is helping your generation get back on track:

1. Who are Credit Planned?

Credit Planned is a platform that educates users on financial literacy to help them improve their credit and better plan their financial lives. A pioneer in credit repair, personal and business credit building, and funding solutions, they offer free online advice and how-to guides, alongside free over-the-phone consultations, to help people repair, improve, and maintain great credit.

With over 1,500 happy clients, each month they secure over $50,000 in funding and boost over 100 credit scores.

2. How can Credit Planned help millennials improve credit scores and access financial funding?

Above all else, Credit Planned can provide clear, actionable consultation on a case-by-case basis. As they experts when it comes to the financial industry, you will be given help and advice that will truly make the difference.

If your credit score has become a barrier to entry and approval for the likes of mortgages and loans, there are basic things you can do to quickly improve your score. While some are achievable from your side, some will need expert knowledge of the financial industry, both of which Credit Planned can help with.

Securing funding from banks can be made more achievable with an improved credit score. However, where real gains can be made is through leveraging the relationships Credit Planned have with these banks to secure 0% interest funding (anywhere from 50-150k) for 1-3 years.

  • Corporate Credit Blueprint

Many business owners aren’t aware of the power of business credit, and some don’t even know how to affects your personal score directly. Credit Planned can help optimize your business credit, no matter the size of your business, and open the doors to help your business grow.

3. Put past decisions and improper financial education behind you

Credit Planned are helping millennials who didn’t receive a financial education build the knowledge to prosper once more. From debunking credit mythics to posting great tips via their Facebook page, their online resources are an invaluable addition for anybody who is looking to improve their credit score and secure funding.

Book a free consultation and get your credit score on track

A good credit score indicates that you know how to manage your budget and make good financial decisions. Woven into most key systems in our society, it’s something that needs to be addressed should it be halting your progress in any walk of life.

Book a free consultation via the website, or by calling (877) 650-5116

 

More information:

Credit Planned are a pioneer in credit repair, personal and business credit building, and funding solutions. Don’t be afraid to scale your business or become financially independent. Read our advice, speak to us via a free consultation, and start building your credit today. Learn more via the website: https://creditplanned.com/.

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How Much Do Credit Repair Services Cost? – News Anyway

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On average, one in five Americans has an unfair credit score. Mistakes on reports from bureaus are quite common. They range from misspellings to events that never happened. A false bankruptcy may tarnish your records for up to a decade! Experts may have such errors erased, so your FICO total will rise immediately. These services are not free, but what is the best value for money?

Credit repair is a highly competitive industry. As a result, the best credit agencies on Credit Fixed     have to offer reasonable pricing. Customers are always charged depending on the length of the billing cycle (e.g., 30-45 days). In addition, there could be an upfront fee.

Cost vs. Duration

Repair is a lengthy process. Although professionals speed it up, you still need several months (between 2 and 6) to clean your records. The most complex cases linger for a year. Trusted companies allow you to stop using their services at any time. Still, the longer — the more expensive.

Today, monthly rates from the most popular providers range between $79 and $129.95. If the upfront fee applies, it may be equal to the monthly payment or different. For example, with Sky Blue Credit, you pay $79 upon enrollment and $79 monthly.

Compare Service Levels

As you can see from this Sky Blue Credit vs Lexington Law review, not every company divides its services between packages. The first provider offers a universal solution that is also modestly priced. The competitor has three tiers, from basic to advanced.

This second scheme is the most common in the industry. Consumers choose cheaper or more expensive bundles depending on their needs. The tiers often include different numbers of disputes. For example, you may be able to disprove five items per bureau per billing cycle.

In addition to analysis and disputes, premium clients may get identity theft insurance, score tracking tools, and personal budgeting solutions. The biggest firms provide their proprietary apps — for instance, the Lexington Law app is highly rated in both Google Play and App Store. On the other hand, almost every company will let you track the status of your case through their web portal.

What You Are Paying For

While add-ons vary, the core services are the same. Any company will collect your reports from three major bureaus — TransUnion, Equifax, and Experian. The staff will scrutinize the records in search of debatable inaccuracies. Next, they will collect evidence and send dispute letters to bureaus on your behalf. Eventually, the errors should be eliminated, which pushes the total up immediately.

This describes the mission of any repair firm. It will help you fix your status more quickly. After all, experts can identify the most damaging mistakes and collect sufficient evidence from the get-go. In the process, they may also send different types of correspondence to lenders and collectors. This includes:

  • debt validation letters asking the lender to prove that you owe the specified amount;
  • goodwill letters asking them to stop reporting particular items;
  • cease and desist letters to collectors, do they stop bothering you.

Repair companies may eliminate different types of mistakes. However, only some of them can delete hard inquiries. Ideally, such items are created when you apply for a loan and the lender checks your credit history. Too many hard inquiries over a short period are damaging to the total.

Money-Back Guarantee

No company can guarantee specific results. The professionals will not promise to increase the total by a certain number of points. However, you may get your money back if the firm is inefficient. Check the conditions of its money-back guarantee (if it exists).

Most commonly, clients are paid back if no entries are deleted within the first 60 or 90 days. Removal of a single item voids this guarantee. In exceptional cases, the policy is unconditional. At the moment, it is only provided by Sky Blue Credit Repair. You may stop using the services for any reason within the first 90 days and get a refund.

Choose Wisely

As there are so many companies, choosing the right provider is not easy. Consider the BBB ratings and genuine feedback from consumers on sites like TrustPilot. Check if the firm delivers on its promises. It must provide excellent support, while the absence of a money-back guarantee is a legitimate deal breaker.

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How Long Will It Take to Fix My Credit Score? – News Anyway

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Your FICO or VantageScore status depends on the contents of your credit reports. Unfortunately, data stored by TransUnion, Equifax, or Experian may be inaccurate. Correction of mistakes will make your score rise. However, this is not an overnight process.

The duration depends on the number of false entries, the bureaus involved, and the quality of the evidence submitted. Experts from top-rated credit repair companies at https://creditrepairpartner.com/ will give a tentative evaluation. If you open disputes by yourself, resolution may take longer. It may require a couple of months or half a year. Here are the basics of credit repair in the US in 2021

Why You Need a Higher Total

Many consumers suppose their credit score only affects borrowing. The lower the total — the more difficult and expensive it is to take out a loan. In reality, the consequences are more varied. Aside from banks, your credit history is accessed by landlords, insurers, and even employers. You may fail to land your dream job because your score is far from perfect.

Causes of Deterioration

This may happen fairly or unfairly. In any case, deterioration stems from negative information on your credit reports. Items like missed payments or evictions pull the score down. Some consumers have to remove bankruptcies and judgments that never happened. Even your personal details may be flawed, although correcting the wrong spelling does not affect the total.

Both systems (FICO and VantageScore) look at similar factors for the calculation. The three most influential elements for the first method are:

  • history of payments (35% of the score)
  • how much you owe in total (30%)
  • length of credit history (15%)

Your credit mix (use of different types of credit) and new accounts affect 10% each. As you can see, late or missed payments, bankruptcies, and defaults are extremely damaging. Another crucial aspect is your ‘credit utilization ratio’, which applies to revolving credit — i.e., credit cards.

The lower your balance in comparison with the total amount of credit — the better. For example, if the limit is $5,000, and you have used $2,500, the ratio is too high (50%). Experts recommend keeping it below 30% or 11%, depending on who you ask.

The Fixing Process

So, what should you do if your reports contain wrong amounts or false entries? First, you are not alone. On average, every 5th consumer in the US has mistakes on their official records. Fortunately, everyone can have errors deleted to raise the total. There are two ways to go about it. You could try doing everything by yourself or hire repair experts. Either way, here is what the process involves.

1.   Collection of Data

Every US citizen may get a free annual copy of their report from each of the three major bureaus. Due to the pandemic, the service is now accessible every week. Go to www.annualcreditreport.com to collect data from TransUnion, Equifax, and Experian at once.

Downloading it online is the fastest way, but you may also call the organization or send them a request by mail. If you hire a fixing company, they will collect this information for you. You may also get a free introductory consultation.

2.   Identification of False Derogatories

Next, you (or the expert) will need to establish inaccuracies. Note that credit reporting agencies do not share data with one another. Any or all of your reports may be flawed, which complicates the process.

As you can see from the score breakdown above, different categories of items affect the total differently. Credit repair professionals will prioritize the mistakes to fix the score faster.

  1. Collection of Evidence

When the report is inaccurate, it is your job to prove this. A repair firm will gather evidence on your behalf. This includes bank statements and other documents showing that the damaging entries are false. Professionals also send debt validation letters to your lenders. These ask them to prove that you owe the amount specified in the reports. As you can imagine, the duration of this stage varies. The more mistakes you want to be removed — the more evidence must be gathered.

4.   Formal Disputes

Armed with the evidence, you may now send formal dispute letters to the reporting agency (or agencies) involved. The bureau will investigate the claim and reply to you within 30 days. It may accept or reject the changes. Alternatively, additional proof may be required.

The Bottom Line

As you can see, fixing the score in under 30 days is next to impossible. You need to collect the reports, analyze them and gather evidence to support your claims. It is crucial to provide conclusive proof, so there is no back and forth between you and the bureaus.

The simplest cases may be resolved and just over a month. The most complex repair may last a full year. Generally, delegating this job to professionals will accelerate the result. The key is to choose a reliable firm that delivers on its promises. Check websites like BBB and TrustPilot for customer feedback, and make sure the company has a money-back guarantee for your peace of mind.

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