Credit Repair- Beware The Scam Artists!

Credit repair seems to be the buzzword today. With our economy taking a long ride on the recession train, it seems that dozens of new credit repair companies spring up every week. This leaves the consumer with a sometimes terrorizing ordeal of trying to make the right decision concerning having an outside source repair their credit.

You obviously must be very careful when choosing the right company to help you improve your credit. Let’s look at some of the warning signs to help you avoid the scam artists who are prevalent in this industry.

Number One- If a company or individual wants a large fee upfront before any work has been done, run, don’t walk to the next exit. Many of these predators charge $500-$2500 upfront and are making a very good living doing absolutely nothing! Buyer beware.

Number Two- Avoid the pushy salesman who wants to rush you into a decision. Legitimate credit repair companies already understand the pressures that are on consumers today and our respectful of the individual making an informed decision when they are ready.

Number Three- Do your homework! Check them out on the Better Business Bureau’s website to see if there is any derogatory or negative information on the company. Many times I’ve discovered several complaints lodged against a company and gone elsewhere with my business. Also be aware that not every business will be listed in the BBB’s database. You can check out a business at .

Number Four- Go to and do a search for that company to see if there is any negative information floating around cyberspace. Many times you will find great information about a company to help you make your decision.

Number Five- Ask the credit repair company if they have any referrals of people that don’t mind being contacted to see if they were satisfied with their services. Most of them won’t give you any because they keep their customers private, however listen to the way they respond to you. Sometimes their tone and demeanor will reveal a whole lot about the company.

In my experience, the legitimate companies that are doing great work for people to improve their credit are extremely hard to find. Years ago, I personally went from enjoying an 824 FICO score down to below the 500s because I lost my business. I was determined to restore my credit, so I will went about educating myself on the credit industry. I have since restored my credit and enjoy helping other people do the same without being ripped off.
One company that can help you tremendously in helping to restore your credit is . I have found them to be honest and reputable and incredibly reasonable in their pricing. In fact, they dont charge people without providing professional services, they dont charge flat monthly fees or large up-front fees. Additionally, does not lock you into long-term contracts.
I give them my highest recommendation.

Decorating Your House by Siv Mjellekas

Modern Scandinavian interiors invest heavily in the white color. You will discover that the neatness and fluid flow of the rooms will give you the space you wish even if you do not have a lot of it to start with. The idea is to utilize lots of white or paint everything inside white, then splash some colors that can make things unique and odd at the same time.

Decorating Your Living Room

Siv Mjellekas likes to utilize many different tones towards the solid white finish in terms of decorating living rooms. This is because the light should naturally appear into the location, though a sunroof or a large window that boasts of your outside landscape. You are able to add the tones through minor items, like your couch pillows, the lampshade or the rug. Nevertheless, avoid overdoing it by placing colors on massive objects like a large painting that dominates your wall, the sofa or your fireplace. The colors must only be hints that accessorize the pure white background.

Elements to Consider

Siv Mjellekas intends to integrate a number of elements that will accentuate the modern design better, for example using innovative and state-of-the-art furniture and appliances. These can be black, white or silvery steel. These fixtures will wisely break up the very bright effect of the environment, especially if you’re getting a lot of light from the windows and other sources. In case you would like to provide some balance and add extra warmth into the room, Siv Mjellekas recommends using wood or a carpet. You can invest in a cherry or oak coffee table or place a huge red rug in the center just to add some comfort.

Bring in the Outside

The amazing thing about contemporary Scandinavian interior styles is that it might successfully include the outdoor environment as a seemingly useful part of the living room. All you’ve to accomplish is push the curtains aside to bring in the greenness of the grass and trees on the outside. This will instantly serve as buffers for your solid white finish. It is possible to mix the lights or just shut off all your lights during the day. Only turn some lamps on if you’re utilizing various colors for the lampshades. Build partitions as you do this by rearranging your furniture or just facing some chairs and stools to the windows.