How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

Entertainment on the Internet – There Is Something for Everyone!

The Internet is an exciting place for entertainment. We can play Online games, Chat with friends and family, Can browse live news and interesting articles, Watch online movies, Do online shopping, Hear FM Radio's and Podcasts, Watch Live Televisions, Get new friends through social networking sites such as Facebook, MySpace , Orkut, Twitter, Friendster etc. And in general, Internet provides a great range of entertainment.

Video sharing sites provide much more fun and entertainment. These sites such as Google video, YouTube, Metacafe includes lots of funny, interesting and useful videos. Funny pranks and Comedy videos in those video sharing website will be used a good stress relieving tools.

Watching online movies is another great entertainment in Internet. There are numerous websites providing online movies, some of them are free too and some charge a tiny payment. Online movies include all genres such as action, romance, drama etc.

Online games such as Yahoo Games, Pogo, iWin, Shockwave, and New grounds are all great pages containing thousands of free online games for users of all ages. These games are often Flash, Shockwave, or Java and can be easily played through your browser without having to download and install the game. There are stress relieving games to overcome everyday stress in business and personal life's. Websites such as Bored.com, Funisland.com, and gamefunonline.com have lots of free online games, computer games and flash games. Not only that but we have tons of fun filled games.

Social networking site's posses lot of fun and they are equipped with options like chatting, video and photo sharing, tagging, writing comments, updating status and lot more. Messenger services and VoIP service provide chatting and group conversation, which enables enhanced communication.

Listening to music is yet another great way of stress relieving and entertainment we can get on the internet. Lots of sites provide online music, covering almost all the languages ‚Äč‚Äčavailable on the internet. Free internet radio stations, Live FM radios, Music libraries are the sources of music on Internet. We will also hear music from online live concerts, video uploads, etc.

We will get more tips on stress management in websites regarding health benefits. There is a lot of websites provide guidance on meditation, yoga and tai-chi. These sites provide video tutorial on those Yoga, Meditation etc.

In general Internet is a great source of fun, entertainment provider. Internet is resourceful tool providing lot of entertainment. Internet acts as a great communication application.

Teenage Weight Loss – How Teenagers Can Safely Lose Weight

Teenagers with body mass measures between 25 and 30 require immediate medical attention. The internal stress caused from so much weight almost guarantees the premature development of medical problems such as diabetes, heart disease, cancers, and stroke.

There's no question that aggressive weight loss methods are necessary and these teenagers need to be followed by medical experts for years to come. But what about teenagers with body mass measures just below 25? Is it safe for this group of overweight and mildly obese teenagers to lose weight?

The verdict is still out – the weight loss community continues to wait for more evidence supporting aggressive weight loss methods for overweight teens. I say while we wait, let's lose some weight.

But we do not need to be so aggressive with this group. Overweight teens need to lose weight, but in a slow, gradual process. Lasting weight loss and the development of positive habits should replace the push for immediate weight loss in adolescents with body mass measures between 22 and 25.

The there's the teenager wanting to lose weight for purely cosmetic reasons. How do we approach this fragile situation as parents and professionals? We can not just say no to her for fear she might turn to unhealthy means to lose weight. But we can not just give him a green light and say go for it, either.

The rest of this article focuses on the cosmetic teenage weight loss dilemma. The best thing I can do is at least provide some ground rules for teenagers with body mass indices less than 22 who insist on losing weight.

Cosmetic Teenage Weight Loss – The Ground Rules

Here's a simple, straight forward list of ground rules for teenagers wanting to lose weight for cosmetic reasons:

  1. Losing weight with a body mass index less than 19 is not recommended and might even be harmful. Things like eating disorders, endocrine abnormalities, stunted growth, and anorexia are all well documented consequences from unnecessary teenage weight loss.
  2. Teenagers with body mass measures between 20 and 22, can lose 5 to 10 pounds in a safe and effective manner.
  3. The primary mechanism for teenage weight loss is always the "burning" of excess calories through increased physical activity. A combination of aerobic exercises and resistance training works fast and produces the best results.
  4. Teenage weight loss by restricting calories should be kept to a minimum. A slow, gradual, and controlled restriction of calories is key. I recommend starting with a 5% reduction of calories from baseline for two weeks. This is followed by a 10% reduction for one week and then a 15% reduction (if necessary) for one week.
  5. Dedication to a consistent exercise program typically produces the weight loss desired without any changes to the caloric intake. A more natural way to reduce calories comes from eating a more balanced and nutritious diet, including more servings of fruits and vegetables.
  6. Emphasizing consistent exercise and a nutritious diet is often all that is needed for a teenager to drop some weight, firm and tone muscle, and achieve her "cosmetic" goals.

For the actual steps to safe and effective teenage weight loss, additional information on resistance training, and guidelines for restricting calories, use this link …

Teenage Weight Loss Plan

To Healthy Living!

Michael A. Smith, MD

Chief Medical Consultant

Diet Basics Website

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.