Wednesday, October 21, 2015

How to Write a Credit Repair Dispute Letter (part 2 of 2)

It may not be a big deal but when you write a letter to the credit agency, consider writing it rather than typing this and printing it on paper.

To prove a point, it is best to use strong words like erroneous, outdated, misleading or unverifiable. Remember, you don’t have to explain in detail why you are complaining because the supporting documents and an investigation will make the truth come out.

For people who have never written a dispute letter before, there are some samples which you can copy online. Just change the name, the date and a few other details because your concerns are different from what was laid down as a guide.

When you finished writing the credit repair dispute letter, mail it using the postal service and just wait. Normally, it will take 2 week to a month before they receive it. If the investigation has shown that you are right, you will receive a new credit report 2 to 4 weeks later with a higher credit score.

Since 1970, the Fair Credit Reporting Act of FCRA has been in place to give people the opportunity to dispute the claims that are printed on their credit report. If you feel that the report is false, don’t just accept it but take steps so this can be changed.

Now that you know how to write a credit repair dispute letter, get a copy of your credit report and then review it thoroughly.

How to Write a Credit Repair Dispute Letter (part 1 of 2)

Are you happy with your credit report? If your score is 700 or above, you might be but if it is 600 or below, you should worry because you will be paying more when you try to get a loan or purchase something. If you believe that your credit score should be higher, you should know how to write a credit repair dispute letter.

Before you can write your credit repair dispute letter, you must first a copy of your credit report. You can get this for free from one of the three credit agencies namely Equifax, Experian or Trans Union.

When you get the copy, review it carefully and check if there are any errors. Take note of each one and then being composing your letter.

Since the credit agencies gave you the report, the errors you want to dispute must be addressed to them. Since the report from the three credit agencies may be different, it will be a good idea to send each one a copy so everyone is on the same page with regards to your credit standing.

Don’t make the mistake of putting all the errors in one letter. It is best to dispute each claim one at a time so the credit agency will not think that you are simply pulling their leg. You don’t have to wait for a reply before sending another one it’s just that each claim must be handled delicately so a proper investigation into the matter can be done.

You should give the credit agency time to reply to the claims you have disputed. This is because the credit agency will conduct their own investigation before sending you a reply. To make their work a little easier, send supporting documents when you write the credit repair dispute letter.

Saturday, October 17, 2015

Asset Management in a Volatile Economy (part 2 of 2)

Asset Management Strategy 4: Easy does it

Make changes gradual, if you are to introduce them. Don’t shock the system with revolutionary changes. In order for it to last longer, there needs to be at least a period of transition for any undertaking. The same thing goes with asset management.

Asset Management Strategy 5: Determine patterns and learn from them

If there have been instances that occur again, make sure that the current system is able to learn from its past mistakes. This self-learning quality is one of the ways in which you can ensure that the asset management system will be able to endure even the toughest economic shakings. It would be completely useless

Asset Management Strategy 6: Get the best tools available to you

If you are talented in managing assets but undermanned when it comes to resources, you may be in for a losing trend. The technology today enables you to manage everything from the desk and without much hassle. So make the best use of the technology while it is made available for you.

Asset Management Strategy 7: Review the facts regularly

Regular review is the lifeline of asset management. If your last inventory was a decade ago, then your assessment may not be at par with the demands in a company over time. Update the inventories, keep stock and review the statistics regularly. In that way, should hard times come, you will find that you have a ready answer because you know yourself fully well.

Asset Management in a Volatile Economy (part 1 of 2)

Volatile as the economy may be, asset management may still stand and survive to keep your company in top shape. Organizations and companies with proper asset management tend to go farther in terms of productivity and results. The good thing is that asset management is a holistic effort of the components, and is something that is really meant to be shared within the bound of the company. You don’t need to outsource asset managers to do it for you if you know how to go about it. Here are some strategies that will ensure that your asset management will withstand any economic storms.

Asset Management Strategy 1: Go for the solid assets

By solid assets, we mean assets that are not easily threatened by changes. If you have some stocks, which are highly volatile in nature, have some investments on established entities as well. This may oppose the “Nothing venture, nothing gained” adage but a certain measure of security is still vital for success.

Asset Management Strategy 2: Ensure support from the higher ups

The higher officers of your company must support your endeavor to managing assets of the company if it were to materialize fully. The support will also prompt other members in the company to be mindful of the undertaking.

Asset Management Strategy 3: Set your priorities

You must always have an outline. What are your priorities? If your priorities are to establish one’s security, you might have to be more rigid with your asset management tactics. On the other hand, if you are planning to venture out and expand your company, you may have to manage your assets in a way that it is more open for change and risk. However, you must make risks that are calculated and make sure that you can bounce back should things go badly.

Friday, October 16, 2015

Scleroderma Lung Disease (part 2 of 2)

Intersitial Lung Disease And Pulmonary Hypertension 

Scarring and inflammation of the lungs is called interstitial lung disease or ILD. This can be suspected when the doctor would hear a crackling sound while examining with a stethoscope but is properly diagnosed when the lungs are tested by complete pulmonary function testing. After that, the amount of inflammation of the lungs will be measure by either a chest x-ray or a CT scan. Other processes that can be done are lung biopsy and HRCT

Pulmonary hypertension is brought about by the scarring of the lungs. Since blood vessels are attacked, blood flow to the lungs is limited causing the function of the lungs to be limited too. This in turn can also cause shortness of breath. Pulmonary hypertension is a completely different illness and should treatment for it should be different.


Since all cases of scleroderma have no known treatment yet, there is also no known cure for it, although it can still be managed. Treatment for hypertension is more focused on preventing further damage and on attempting to restore organ function to normal, although this is considerably difficult. Treatment for lung involvement in scleroderma would include medications, therapies and surgeries.

While it can be treated with medical attention, it is still very important that the patient should also handle the case responsibly on his or her own. Some things that can be done to help are to stop smoking or to avoid passive smoke if you are not a smoker. Not only can smoke worsen a condition of lung involvement in scleroderma but it can also bring about a lot of different illnesses as well. It would also help if the patient keeps a healthy lifestyle.

Scleroderma Lung Disease (part 1 of 2)


Scleroderma is an autoimmune disease which is mainly characterized as the development of scar tissue in various parts of the body. This is a result of damages caused when antibodies in the immune system attack the body’s tissues, which is contrary to its purpose of protecting the body from harmful substances. While the most common body part which is affected by scleroderma is the skin, the lungs are also quite commonly affected constituting about 80% of all cases of scleroderma.

Scleroderma lung disease and all the other complications brought about by it has emerged as the leading cause of fatalities in all cases of scleroderma. Considering that, everyone who has scleroderma should not take lung involvement lightly and should seek immediate medical attention. Lung involvement can occur in either limited or diffuse scleroderma, thus all patients with scleroderma should be aware of what could happen.

How Are The Lungs Involved In Scleroderma?

There is no known cause of scleroderma. What is known is only how scleroderma works and that it can affect a lot of organs including the lungs. Scleroderma usually starts off with the skin or the joints which called as calcinosis or Raynaud’s phenomenon. If the case goes worse, then scleroderma would begin spreading within the body. If it gets to the lungs, then that would be the beginning of lung involvement in scleroderma.

The first visible signs of scleroderma lung disease would be if you show the primary symptoms of scleroderma which is found on the skin and followed by shortness of breath and constant dry coughing without mucus. This in turn could bring about pulmonary hypertension and as well as many other lung diseases other than scleroderma.