https://padlet.com/rachellemichaud/creditscores_rachelle By Rachelle Michaud en-us 2021-01-25 19:17:10 UTC 2023-07-26 13:44:58 UTC hello@padlet.com https://padlet.net/icons/png/1f4b5.png rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123794626 Video #3
      Some of the things covered in this video are where lenders get info on whether or not they will want to lend to you and what effects there decision. as well as the fastest ways to improve our credit scores through corrections and regular maintenance.
      This is my favourite resource, i think it is the easiest to understand and gets straight to the point. its also not a vary long video so it makes it easy to access in a short amount of time. if your only going to pick one this is the one I suggest.  One thing in this video that I didn't see in a lot of other sources was to try and get late payments removed from you account. overall all the information in the video is useful for a multitude of different credit scenarios. so I feel it is an amazing resource.]]> 2021-01-25 19:23:26 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123794626 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123805931 Website #1
      What to expect from this website. some of the things it covers is, what's  impacting your score and along with in-depth information about a few of those things, as well as how to properly figure out what percentage of your credit you are using. and then touching on some different types of  credit.
     This website in particular I thought would be vary useful because it us information directly sourced from the government. it is always a good idea to get some information from a reliable source. this one is one we know we can trust. The section on using credit wisely and how much of your credit you should be using is one of the main reasons I chose this source.]]> 2021-01-25 19:25:38 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123805931 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123818582 Website #4
     What to expect from this website. some of the things you will find in this article are discussions about micro payments, benefits of becoming an authorized user as well as the impotence of longevity of credit.
     The reason I chose this website is because I felt like it offered one particular point that I had never heard to request to become an authorized user, it was also matched with bunch of really beneficial commonly used tips. the information is displayed in a way the is concise and easy to navigate. it just over all felt like a good resource to use in this scenario.

]]> 2021-01-25 19:28:04 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123818582 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123844033 Website #3
      Some of the things covered are beating the report dates, making multiple payments, and some different types of payment strategies. there are even still two more tips I’ll give you the chance to discover yourself their good ones! oh and of course they go into further detail so it will leave you knowledgeable and ready to go!
     This website I thought was easy to follow and makes it easy to get your foot through the door to start tackling your credit score, all on your own. not only this but it will give you a lot of good strategies to be able to get a handle on things, or at least feel like you can start. One particular part of this article that drew me to it and then you want to include it because it was different from the others was finding out when your institution reported to the credit bureau so that you could pay before that and beat them to it.]]> 2021-01-25 19:33:08 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123844033 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123902421 We all get into a little bit of trouble sometimes or maybe your just trying to improve. whatever the reason, I've compiled some of what I've found to be the most useful resources to help you get your credit score as high as possible. some of the things you should expect to find is a wall flourishing with information. some of the resources I have chosen do over lap and have some of the same hacks/tricks but I think its beneficial to see it in a multitude of views as they all give different perspective. enjoy everyone! ]]> 2021-01-25 19:45:29 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123902421 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123961052 1. What did you learn about your topic that surprised you most?
Raising my credit limits could actually help my credit score, although it may bring my score down a bit initially it never occurred to me the I could raise my credit limits to create a larger gap for my credit ratio. I did try this and as I do know some of you are younger like myself and I ran into some problems. before applying for a credit increase make sure your bank account is up to date with your current income status because for me there wasn’t one and had I just went and applied I would've been denied and taken a hit to my credit for no reason.
2. Provide a real-life example of how this topic is relevant or interesting for you.
for me personally I was one of those people who got a credit card as soon as I turned 18, I maxed it out constantly, paid some off maxed it out again. I was in this cycle for a few months. I didn’t even know I was destroying my credit score. at one point my credit score was in the 500's. this topic is something that I have personally been working on for a while before the class even began. as a 21-year-old it is hard to build good credit especially when you're living at home and you don't drive/own a car. so, for me I've been building my credit to an almost 800-point score just figuring things out on my own. so, when I saw this topic it was something I was already interested in, and I could relate to.
3. If you could pass your knowledge onto a family member or friend, what do you think is the most important thing to pass on? 
I think the most important thing to pass on would be making sure they are making the minimum payments, and not missing payments on anything, even if they have to call and let their telephone company know that a payment is going to be late, it’s better than them having that go to the Credit Bureau. late payments and missed payments show you’re not capable of paying on time or managing to pay a bill and if you’re applying for something that is going to require you to be persistent with payments, they are going to look at your credit report for things like that. so, in my opinion that is probably the most important are most useful information I could give someone. ]]> 2021-01-25 19:58:32 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1123961052 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1138237379 Picture #2
     All this information may seem like a lot but the goal is always clear getting your credit score to go up! the numbers may seem overwhelming to begin with but once you realize you have control over your credit score it really isn't as hard as it seems. I personally have gone through the highs and lows of a credit score and understand how difficult it can be. 
     The reason I chose this picture is because often the numbers can become overwhelming and I felt like this was a good picture to embody that as I gave some advice and motivation. ]]> 2021-01-28 19:26:24 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1138237379 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1138246985 Picture #1
     With all of the tips given there may be pros and cons you need to weigh. for example. when you are applying for a credit limit increase it could require a hard credit check. which would effect your credit score. in a negative way, the outcome for the increase could be more beneficial then the down fall from application. but regardless you need to make sure that you are weigh the pros and cons in your personal credit situation and weather or not the tips will work for you. 
     The reason I chose this picture because I want everyone to take a second and make sure they are weighing the pros and cons for there personal situations first before applying any of these tips and that's why I chose a scale because weighing the options. ]]> 2021-01-28 19:28:16 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1138246985 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1283782579 Website #2
     This website covers the basic understanding of your credit score when why we need it. it also shows you how you can access your report as well.
     The reason I chose this particular website is because is wasn't too long to get through the information. it was all quite concise, and my goal is to make it as easy as possible to access all this information in a timely matter without missing anything. I felt this resource offered good coverage for that. One section I found really interesting is this and I felt like it was really good information to have is what people have access to when they see your credit report.]]> 2021-03-08 18:34:30 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1283782579 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1283872040 Video # 2
    This video covers three important things you should know about your credit score. they discus the 5 factors that make up your credit. as well as how often you should be checking your credit score.
     The reason I chose this video is because I feel like this is important information for everyone to have, not everyone knows these things and its important to have this information early on in life so that you can take control. particular the breakdown of what your credit is made up of so you know where this information is coming from. the video delivered the information in a condensed matter so there Is no time to get detracted and I think it makes it a vary good learning tool.]]> 2021-03-08 18:49:58 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1283872040 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284028915 Video # 1
     The main part of the video I want the attention to be on is the mistakes she made. that greatly effected her credit score. she also covers tips to improve your credit score as well as basic information about your credit score.
     The reason I chose this video is because of the mistakes section of her video. she talks about the mistakes she's made and how they effected her credit score. I think it's good to see someone talk about there mistakes so you can avoid making them. its always good to have a direction to go. but I also think its good to see where you can come from as well.]]> 2021-03-08 19:18:04 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284028915 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284120740 Video #4 
     This video cover how to read your credit report. it looks at what you should be looking for and making sure information is correct and consistent. as well as making sure you don't make small mistakes to avoid miscommunications.
     The reason I chose this video is because I think people need to know what all the information they are looking at means and what they need to keep an eye out for. to easy too over look something you didn't realize you need to check. and this video goes in depth through all the areas to keep an eye on. The one part of the video that I feel is really important is about keeping your name consistent and how aliases can affect how the credit bureau views you.  ]]> 2021-03-08 19:35:29 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284120740 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284496797 2021-03-08 21:02:41 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284496797 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284501731 2021-03-08 21:04:05 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284501731 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284507449 2021-03-08 21:05:48 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284507449 rachellemichaud https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284512796 2021-03-08 21:07:22 UTC https://padlet.com/rachellemichaud/creditscores_rachelle/wish/1284512796