In this post you will find, as promised, the credit verification letters you need to send to the credit agencies demanding that they provide you with physical proof of signed contracts for your negative credit accounts or alternatively, delete them.
I know these letters work because I USED THEM MYSELF, word for word, to get current collection accounts and hard inquiries removed from my own credit profile, raising my credit score substantially – with positive results in as little as a month!
While not difficult, the process can be tedious and if you’re willing to be patient and somewhat organized, you can can succeed in giving your personal credit status a significant boost!
Feel free to download and use, making adjustments as you see fit. Additionally, drop me a line and let me know how your process goes!
Addresses for the Three Main Credit Agencies:
P.O. Box 2000
Chester, PA 19022
P.O. Box 4500
Allen, TX 75013
P.O. Box 740241
Atlanta, GA 30374
I think I could probably function optimally if I had the luxury of hibernating all year long, awaking only for the fall season. Is that so insane? Or better yet, if three seasons out of the year were autumn-like, breaking for one month for a glorious snowy winter. I know there are too many obstacles to the practicality of this scenario, such as the obvious need for the spring and summer seasons to bring forth the beautiful leaves that eventually don their gold and scarlet hues, but a girl can dream, right?
What I’m saying, in a very verbose way, is that I feel so much more productive right now than any other time of the year. I’m still keeping on track with my weight loss journey, but I feel less obsessive about documenting it right now because I’ve got much more interesting ideas and projects on my brain. I’m getting organized too, which is really helpful to me when it comes to weight loss.
One of the organizational projects I’ve been working on is my kitchen. We’re renting, which has been really great, as we’ve been fortunate enough to have the most awesome landlord anyone could ask for. But as any renter knows, renting customarily severely limits your options when it comes to remodeling. In our case, the pink-and-blue flowered 1980’s styled wallpaper and giant white porcelain cabinet knobs were too much to bear and our landlord wholeheartedly supported our efforts to strip and paint the kitchen walls, and to replace the cabinet hardware with something less dated, like simple brushed nickel.
I have a lot of cookware and kitchen appliances and limited space; and if I’m honest, I’ve let quite a few of our kitchen cabinets become overrun with junk in the past 8 years that we’ve lived here. A perfect example is my “spice” cupboard, which very quickly became a spice-medicine-vitamins-and-any-other-junk-I could-shove-in-there cabinet. Yeah, it got really bad. After months of poring over Pinterest pins, I became obsessed with the idea of an organized spice rack made from pallet wood.
After securing a nice rough pallet from a friend, I proceeded to spend 3 months arguing with my husband over how to proceed. I could not find plans for a spice rack that suited me. I do a lot of cooking and baking and possess a wide variety of exotic spices, and as my goal was to completely clean out that darned cabinet, it was imperative that my rack be large enough to house my collection. Additionally – and this is where the arguing with my DH came in – it was my goal that the rack be made solely of the material from the one pallet.
Well, my babe came through for me. After roughing out a 3D model of his plans, he set to work prying apart and rearranging boards. As the pallet was a bit rough (which I personally loved), I decided on a distressed whitewashed finish, which goes along nicely with the look of my kitchen. I didn’t think to get a before shot of the pallet, but here is a shot of the shelf whilst being whitewashed.
After being anchored to the wall, I transferred my spices to some tiny adorable glass canisters that I found on Amazon and labeled them with chalkboard stickers. I think the end result was really adorable (Actually, I think I’m going to touch up the paint in some areas yet). Also, I found some cute vintage fleur-de-lis hooks that I think I’m going to attach to the bottom to hang some measuring spoons and pot holders.
In addition to feeling better about my organized spices, I now have an entire cabinet that I can now dedicate to tea cups and coffee mugs for enjoying hot beverages on these cool fall evenings. It’s a win-win!!
From time to time, I find myself feeling a little frustrated when I don’t quite “have it all together.” Case in point, I’m currently sitting in my home office which very visibly has not been vacuumed since my return from vacation nearly a week ago; the mail basket sitting on my desk is overflowing with envelopes I’ve yet to open; my voice mail box is so full it can’t take any new messages; and I’m sipping coffee from one of 3 drinking vessels left on my work station during the course of the week. (About 10 minutes ago, I picked up the wrong mug. Ugh!)
For a few years, a sizable portion of my income while working from home was made as a VA (virtual assistant). While I did well and worked with some wonderful individuals (partners as well as clients), I soon became dispassionate about my work. I was stubborn and slow to accept and learn about blogging as an important facet of running a successful business and I was overwhelmed by social media in general. I’m not as stubborn as I formerly was regarding these common business tools, and while I still have so much learn about them, I am genuinely making the effort.