Credit Repair is More Than a Right, It's Your Responsibility

The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.
Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it - the right to make sure your credit score is as good as it can be.
So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can't be because they don't understand the importance of a high credit score. After all, it doesn't take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.
More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn't be further from the truth.
The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.
So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn't end up on your credit reports?
The answer to both of these questions is: they don't. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.
Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports - and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.
Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.
It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.
Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven't taken action to do anything about it.

Average Credit Cards with Great Rates

Average credit cards are usually low on features and carry higher rates when compared to other credit cards. Most of the credit cards that consumers will find online are designed for people with very good credit or poor credit. However, in today’s market, the average credit scores nationwide for consumers have been trending downward. This is forcing banks and credit card issuers to focus on consumers who have fair to average credit more so than they have in the past.
When shopping online for average credit cards, consumers are typically offered credit cards that are geared towards consumers who have poor credit. This is simple economics, credit card websites make money when you are approved for a credit card, and credit cards in this class will allow them to get more credit cards approved. Unfortunately, in this scenario the credit card issuers win and the consumer loses.
However, if you know where to look, and which cards to apply for, consumers with average credit can find great deals in today’s credit card market. They may be buried on the last page of most credit card websites, but they do exist. Direct Banc is one of the few credit card websites that prominently displays the best of the average credit cards up front. These credit cards will carry the lowest rates and the best features for applicants with fair to average credit. Here are a couple examples:
IberiaBank Visa® Classic Card ��" IberiaBank is directly related to Pulaski Bank, one of these two banks recently bought the other one, I’m really not sure how it went down. Nonetheless, they offer a great credit card for those who have average credit. This credit card, like most credit cards, has a variable rate that hovers around 4% - 5% their credit threshold is stated as “Average”.
Average credit is an unclear term, and each bank has a different definition of what “average” is. What we have noticed at Direct Banc, is that IberiaBank defines average credit as one who has a few bumps and bruises on his or her credit but generally pays their bills on time. Ample discretionary income and residential stability are key factors for them as well.
Another great credit card for average credit is the Capital One® Platinum card. This card offers a low 8.9% interest rate for those with average credit who qualify. One of the great features you will find with this card is a 0% balance transfer feature. Transferring a balance from another card to a 0% interest rate will give consumers a huge break on their monthly payments. As with all cards, we suggest that you read Capital One’s® important disclosures for More Information.
Finding average credit cards for fair to average credit may be a little harder than hopping on a website and applying for the first card that you see displayed. Most of the cards you will see prominently displayed are either aimed at consumers whose credit is very good, or those whose credit is very poor. However, if you take your time, read the fine print, you can find great deals on average credit cards.

Rules of NFL Football in America: by Freddie Brister

NFL football is a competitive team sport known for mixing strategy with physical play. The object of the game is to score points by advancing the ball into the opposing team's end zone.
A standard football game consists of four 15-minute quarters, with a half-time intermission after the second quarter.
A down ends, and the ball becomes dead, after any of the following: the player with the ball is forced to the ground or has his forward progress halted by members of the other team, a forward pass goes out of bounds or touches the ground before it is caught, or if a team scores.
You can score by getting a safety, field goal, or touchdown. If you get a touchdown, you have the choice of kicking the extra point or going for a two point conversion.
Fouls are punished with penalties against the offending team. Most penalties result in moving the football towards the offending team's end zone.
The offensive line consists of five players whose job is to protect the passer and clear the way for runners by blocking members of the defense.
The quarterback receives the snap from the center on most plays. He then hands or tosses it to a running back, throws it to a receiver or runs with it himself.
Running backs line up behind or beside the QB and specialize in running with the ball. They also block, catch passes and, on rare occasions, pass the ball to others or even receive the snap.
Wide receivers line up near the sidelines. They specialize in catching passes, though they also block for running plays or downfield after another receiver makes a catch.
Tight ends line up outside the offensive line. They can either play like wide receivers or like offensive linemen.
At least seven players must line up on the line of scrimmage on every offensive play.
The defensive line consists of three to six players who line up immediately across from the offensive line.
Behind the defensive line are the linebackers. They line up between the defensive line and defensive backs and may either rush the quarterback or cover potential receivers. Their main job is to cover the run up the middle.
The last line of defense is known as the secondary, comprising at least three players who line up as defensive backs, which are either cornerbacks or safeties. They cover the receivers and try to stop pass completions. They occasionally rush the quarterback. However, this leaves the field wide open for passing.
The units of players who handle kicking plays are known as special teams. Three important special-teams players are the punter, the kicker, and the long snapper.
Because the game stops after every down, giving teams a chance to call a new play, strategy plays a major role in football.
To stop the offense from advancing the ball, the defense must tackle the player with the ball by knocking or pulling him down. Tacklers cannot kick or punch the runner. They also cannot grab the face mask of the runner's helmet or lead into a tackle with their own helmet.