Tips to increase your Fico Scores

Your Fico scores determine whether or not you can get credit loans on easier terms. If you have a higher Fico score you get rewarded when you are about to buy a house, a car or any other big-ticket item. Fico is the mode of measuring financial risks. The advantages of knowing how to increase Fico scores will help you to qualify for more loans together with best possible interest rates. Below are just a few ways if you want to increase your Fico scores fast.

1) Get a Copy of your Credit Report

The first step to improve Fico scores is to get a copy of your credit report from the major credit bureaus namely TransUnion, Experian or Equifax. Credit reports store the information about all your financial transactions and the money that you owe. FICO score is a method of ascertaining whether you are likely to pay your bills on time or you are a major financial risk to the lenders when you apply for any sort of loan. The benefit of checking your credit reports regularly is to look for any inaccuracy in it. Once they are removed your Fico score will increase. The corrections of errors may take up to 3 months or longer.

2) Paying Off Bills on Time

35% of your credit score is made up by your recent payment history. Increasing your Fico scores demand payment of your all your bills on time.

3) Pay down Credit Card Debt

30% of your Fico score is determined by Credit card debt and revolving charges. More specifically balances that are close to your credit limit can negatively influence your personal credit score. Lenders want you to maintain a lot of room between the amount of your credit card debt and your total credit limits. Most lenders consider a maximum of 30% to 40 % to be perfect. So more the debt you pay off wider will be the gap, which will increase your Fico scores. Creditors will also be happy to lend money.

Stop Closing Old Credit Card Accounts

Closing down old credit card accounts and paying off credit accounts decrease the total amount of credit available to you. It also makes the balances show larger in credit score determination. Closing down your oldest accounts curtails the length of your credit history, which will eventually lower your creditworthiness in the eye of a lender. It is not a good idea again to open new accounts while applying of a new loan, which may lower your Fico scores. In order to be eligible for more loans and obtain best possible interest rates understanding how to increase Fico scores will give you better options and save you a handful of money.

Using "The Power of Consciousness" to Heal Gaia (Mother Earth)

The following blog entry shows a similar idea from two Great Men, Napoleon Hill and Bruce Lipton, in leading the way for building a better world using consciousness...

1. Napoleon Hill's Golden Rule

More than half a century ago, in his book Napoleon Hill’s Golden Rules, after learning from a scientist on how the human cells function in the body, he wrote about his imagination on how the entire human race is working interactively like the cells in a human body.

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I saw, in my imagination, the entire human race, every living human being on earth, all gathered in one spot and standing in such a position as to form the perfect outline of a human being. At a distance, this seething mass of humanity would resemble one enormous human being. I could see health and success and prosperity for the whole mass as long as there was no discord or misunderstanding between the individuals who constituted the whole. I could see some of the human beings plowing the ground while others were sowing seed and getting ready to produce food. I could see some of the individuals of that enormous gathering working on clothing. I would see still others entertaining the mass with music and causing each individual to be happy and contented.

Perfect harmony prevailed in this imaginary picture. Every individual had plenty to eat and plenty to wear. All were happy and contented. Sorrow and grief were not to be found.

Then, with sudden switch of the imagination, I saw the picture from another angle, an angle which is comparable to the story of the human cells of which the scientist had been telling me. Away down toward the bottom of this great mass of human beings, at a point which would correspond to one of the imaginary giant’s feet, I saw two tiny little human beings get into an argument. They came to blows. Other human beings began to rush up and join in the argument. Pretty soon, one of the entire feet of the imaginary giant had discontinued its regular business, and the ‘‘human cells’’ of which the foot was composed were fighting among themselves. They no longer cooperated. They no longer functioned normally. Pretty soon, the entire body began to feel the loss of one of its feet. It was crippled. It tried to walk but could not move. Other parts of the body commenced to suffer. The body, as a whole, commenced to suffer with hunger because the loss of its foot prevented it from producing food.

Slowly, that enormous body began to wither and go into decay. I could not help comparing it to the individual human body which withers, goes into decay, and finally into death when any group of cells ceases to carry on its normal work.

There is a remedy which is often applied with successful results when the individual cells of the human body begin to ‘‘lie down on the job,’’ and that remedy is to re-establish harmony and cooperation among the cells to the end that they will again function normally.

That same remedy is the one, and probably the only one, which will save the human race and bring it back to normal, healthy, constructive living once more. The same principle which causes the tiny human body cells to function and cooperate in peace and harmony while the individual enjoys a healthy, happy human body applies with equal precision to the entire human race.

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2. Bruce Lipton's "Spontaneous Evolution"

Video Link to You Tube:<-


And now, Bruce Lipton, a modern internationally recognized leader in bridging science and spirit, has further illustrated the same idea with scientific data and examples in great extend!

In this 50 minutes video clip, it covers many topics which will propel individual onto the path of better consciousness, such as the difference between Subconscious Mind and Conscious Mind, the effect of circumstance on people, how this world became a dog-eat-dog world, and what's the solution to co-create a better world in the very very near future (as the current world system cannot sustain this rate of exponential decay.)

"天下事在局外呐喊议论，总是无益。

必须躬自入局， 挺膺负责 乃有成事之可翼。"

-曾国藩

"For whatever matter it may be, simply by complaining or shouting

outside the scene yet not participating in it will never help.

One must do his part in co-creating the event,

then it can be successful."

- GuoFan,Zeng (A Minister in Qing Dynasty)

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