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What can be done with Credit Scores?

A credit score is a number that is used to determine how reliable and or dependable a person is. A credit report is different from a credit score. A credit report shows information such as bankruptcies, closed accounts and open accounts.

Credit score ranges vary. They may be from 150-950, and they determine if it the person will pay their bills on time or if they will be late with payments.

There are different things that can and will affect your credit score. Things that affect credit scores are payments that are made on time, the number of open, closed, and or derogatory accounts, as well as how much credit is or was used.

When it comes to credit scores, there are different models that are used to determine the score. The two main models that are used to determine where your credit range falls are known as the FICO and Vantage models. The credit range categories are measured by excellent credit,good credit, fair credit, poor credit and bad credit.

There are three national credit bureaus. These bureaus are Equifax, TransUnion, and Experian. Every individual is entitled to receive a free copy of their report from these three agencies once every year.

The score range for Equifax is 300-850. The score range for TransUnion is 300-850. The score range for Experian is 300-850.

While the general categories for credit scores are, excellent, good, fair, and bad, each lender has their own standards for what they consider to excellent, good, fair, and poor scores.

Those with ” excellent” credit tend to have lower interest rates and they can get easily approved for many things ranging from loans to mortgages. Those with “fair” credit can sometimes have difficulties getting approved for loans. Those with “poor and or bad” credit have an extremely hard time getting approved for anything.

The biggest tip to improving your credit score is to never use more than half of your available credit.

What You Need To Know About Constipation Symptoms

Constipation is uncomfortable and unhealthy. When you are familiar with the symptoms, you can learn how to avoid it and how to treat it if it does occur.

What Are The Symptoms Of Constipation?

When you are constipated, you are unable to have regular, normal bowel movements. They are either hard and painful, or they may not occur at all.

Other symptoms are often present during periods of constipation. You may experience bloating, gas, and pain in your abdominal region. In some cases, severe constipation is accompanied headaches, nausea, or vomiting.

Constipation can be a rare occurrence, or it can be chronic. Most people experience it at some point in their lives.

What Causes Constipation?

For most people, constipation is caused by a poor diet and lack of exercise. These are the first factors you should address.

Reducing the risk of constipation requires a diet that is rich in fiber. The best sources of fiber are fresh vegetables and fruits, and whole grains. Fiber provides bulk for healthy digestion, so you are not as likely to suffer from constipation. Water is also essential. It contributes to regular, healthy bowel movements.

Exercise will also reduce your risk. Daily physical activity helps your bowels function.

There can be other causes of constipation. As a person ages, the natural aging process can cause frequent constipation. There are numerous medications that can increase the chance of constipation. They include a variety of prescription medications and over the counter drugs. Using home remedies for constipation would be ideal in order to avoid other complications from medication

While each person’s body is unique, some people find certain foods lead to constipation. Dairy products, especially cheese, are the most common items. If specific foods are the problem, your doctor can help you plan a diet.

Home Remedies For That Dreaded Hearburn

Heartburn symptoms can be a burning sensation in your chest region and it is just plain annoying, and we can certainly all agree on that. When it comes to comfort, heartburn makes it extremely difficult to relax, especially after a greasy meal. However, there are acid reflux remedies that can be found right inside your home.

The most commonly known remedy for heartburn is one that has been around for years. Drinking a tall glass of milk when heartburn strikes, has been known to be one of the most effective ways to rid the annoyance. If heartburn is keeping you up at night often, try drinking a warm glass of milk to stop the burn and help you fall asleep faster.

Oddly enough, one of the most helpful home remedies for heartburn is chewing gum. You can fight garlic breath and heartburn after a meal, at the same time. Chewing a piece of gum right after a meal is also the best way to ensure that the heartburn stops before it even starts.