If You Have Bad Credit, a Letter of Explanation Could Help

If You Have Bad Credit, a Letter of Explanation Could Help If You Have Bad Credit, a Letter of Explanation Could Help If You Have Bad Credit, a Letter of Explanation Could HelpA letter of explanation could be the difference between getting your loan application approved and having it denied.This might be surprising to hear, but certain important financial decisions can hinge on something as simple as a letter. That’s right! Letters of explanation are an important part of the lending industry; they allow borrowers to clarify certain items in their financial history, including a bad credit score.Lousy credit can leave you high and dry when it comes to borrowing money, forcing you to use no credit check loansâ€"like cash advances, title loans, and payday loansâ€"when you have a fiscal emergency. And while there are plenty of safe, affordable bad credit loans out there, they wont help if youre looking to rent or buy a home. And thats where one of these letters of could come in handy.What is a letter of explanation?Whoever came up with the name for letters of explanation was a pretty straightforward du de, because that name pretty much says it all. These letters are submitted as a part of a loan application process in order to explain certain aspects of your finances that might otherwise raise a red flag.Letters of explanation are mostly associated with mortgages, because those loans have an incredibly stringent application process. Talk to anyone who’s in the middle of applying for a mortgage or has just finished applying for one and the half-deranged look in their eyes will tell you all you need to know about that.These letters are necessary because sometimes there is more to a particular situation than meets the eye. Sometimes perfectly normal transactions can look suspicious if, for instance, they were done in cash; other times a recent change of job or address will trip up underwriters and require clarification.Basically, lenders just want to confirm that you will be able to afford your loan. Letters of explanation help them get an accurate picture of your finances as they assess your application and decide whether or not to approve you for a loan.And it’s not just lenders either. Remember that many landlords will check your credit when you are trying to rent from them, so a bad credit score could end up costing you that sweet apartment. Writing a letter of explanation to a prospective landlord or rental company can help your chances of being accepted.Not all bad credit scores are created equal.If you have a bad credit scoreâ€"which is generally considered to be any score under 630â€"then it’s probably because you have made mistakes managing your credit. You have likely been missing payments, getting accounts sent to collections, or maxing out your credit cardsâ€"or some combination of all three!In cases like these, where there has been a repeated pattern of mismanagement, a letter of explanation probably isn’t going to do you any good. Your credit score is reflecting your use of credit pretty accurately. A traditional lender like a bank or a mo rtgage company is right to worry. You’ll have to turn your behavior around and build your credit score back up before you can qualify for a regular loan.However, if there are extenuating circumstances that have lead to your score dropping, a letter of explanation could definitely help. Did you end up in the hospital and your medical bills forced you to declare bankruptcy? Or what about a personal loan that you actually paid off but got sent to collections in error? Maybe you moved cities or states for a better paying job, but you had to put those moving expenses on your credit card.There are tons of different scenarios where a one-time situation caused your score to drop. And these are the kinds of scenarios where you’ll want to write a letter of explanation where you lay out the situation andâ€"this part is very importantâ€"make clear why said situation won’t really affect your finances moving forward.One position where a letter of credit is a great idea is when there are err ors on your credit report. If you are having trouble getting those errors resolved, you will for sure want to send a letter explaining the mix-up. After all, it’s quite literally not your fault that this information is lowering your score. To learn more about fixing credit report screw-ups, check out our blog post: How Do You Contest Errors On Your Credit Report?5 tips for writing a bad credit letter of explanation.So, now you know that a letter of explanation can be a useful tool for overcoming a lousy credit score. But a fat lot of good that information will do you without some tips to help you actually write one! Here are five pieces of advice to follow when composing a letter of explanation for poor credit:Be formal: This is a business communication, not an email to your mom or a text to your bestie. Date your letter and make sure you sign it at the bottom. Also, avoid casual language as much as possible.Be specific: Think of your letter as answering a very specific question a bout your finances. Include relevant dates, dollar amounts and your loan application number (if you have one). If you have documentation, include it. If you don’t, say that you don’t.Be classy: In general, avoid “blaming” other people and companies for what happened to you. Even if what happened to you wasn’t your fault, stick to the “X happened” instead “X did this to me, that stupid jerk.” Take responsibility for the situation and promise better in the future.Be brief: Your letter should only contain information that is absolutely relevant to matter at hand. With a bad credit score, your letter might be a little longer than a letter concerning a single transaction would be, but still: Make your letter as short as possible while still being effective.Be honest: This is crucial. Do not lie and don’t ever exaggerate or twist the facts. That will come back to bite you big time. Make sure you cop to the role you played in the events. The more you come across as a st raightforward, trustworthy person, the better.A letter of explanation isn’t a magic wand that you can wave over a denied loan or rental application and magically get it approved. But it is certainly a useful tool for any person looking to borrow money or rent a home. There are so many parts of the great financial machine that are hopelessly complicated. Letters of explanation, on other hand, are just wonderfully simple.To learn more about living life a lousy credit score, check out  these related posts and articles from OppLoans:How to Finance a Phone with Bad CreditHow Bad Credit Can Affect Your UtilitiesCan You Have Bad Credit Even With a Good Income?Have you ever had to write a letter of explanation? We want to hear from you! Let us know  on Facebook  and  Twitter.

Essay about We Need More Animal Research, Testing, and...

We Need More Animal Research, Testing, and Experimentation A life can be taken or created in a matter of seconds and with that has come the miracles of modern medicine. People have come to expect science to save lives, prevent illness, relieve suffering and improve the quality of life. The means of curing, treating and preventing diseases are not achieved by magic or accident. Medical advances are gained through years of intensive research -- research in which laboratory animals have played, and continue to play, a critical role. Opponents of animal testing are wrongfully determined that this process is completely unethical. Animals have been used for experimentation for around 2,000 years. In the third century BC in Alexandria,†¦show more content†¦. .). Several opponents of animal testing are blinded by their own opinions and have not taken into consideration the growing list of scientific advancements from animal testing. Between 1992 and 1994, the Research Defense Society published a list that gave the number of patients who benefited from animal research in the UK; from antibiotics to heart and lung transplants, 83,392,400 people were able to benefit from animal research (Animal Rights . . .). Several vaccines, antibiotics, drugs, prevention ideas and treatments have resulted from animal testing, and if experimentation is stopped, a cure for diabetes, aides, and cancer would be beyond reach, new surgical procedures to repair heart defects will be terminated, 30,000 young Americans with cystic fibrosis will never have a normal life span, the development of artificial blood will never continue and several other new life improving studies will never occur (Animal Research . . .). Humans arent the only species that benefit from testing. Several methods that have been developed to prevent diseases in humans have helped the lives of numerous animals (Murrary). Experimentation on animals has educated people on how to better care for animals and has also allowed humans to gain an understanding how they function. Several antibiotics, drugsShow MoreRelatedEssay about The Good, the Bad and Ugly of Animal Experimentation1197 Words   |  5 PagesGood, the Bad, and the Ugly of Animal Experimentation Animal experimentation plays an important role in today’s medical and pharmaceutical advances, but many question the morality of such a use of animal life. Whether one argues that testing different products and drugs on animals is necessary or not, this has become an integral part of developing products. From that Tylenol we pop to get rid of our headache to that perfect shade of pink lip gloss, animal testing is used in order to produce theRead MoreThe Facts About Animal Experimentation1138 Words   |  5 PagesThe Facts About Animal Experimentation Animal experimentation is the use of animals in research or projects involving the safety of foods, drugs, or other substances. It is a part of almost everything we use in our everyday lives. These tests can be performed on a variety of animals. There are also many different ways to perform these tests. Animal testing affects all of the lives around us. Both animals and humans are affected by this in a range of different ways. Animal testing can be shown throughRead MoreAnimal Experimentation And Animal Experiments1619 Words   |  7 PagesYou can’t even decide when the lights go on and off. (Cruelty to Animals in Laboratories.)† This is the horrifying reality that animals used in animal experiments have to face. 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And finally, the stem cells in the spinal cord must create new cells in orderRead MoreAnimal Experimentation Essay812 Words   |  4 Pagespeople have been using animal experimentation to create new ways to help save the human race. There are people who believe that it does help, and that it is necessary to continue, while others oppose and want to fight for the elimination of animal experimentation. Scientists fight for the cures needed to help man kind, but struggle to do so as people fight against their work in progress. But as Jennifer A. Hurley stated, â€Å"History has already shown that animal experimentation is not essential to medicalRead MoreSh ould Animals Be Used For Testing Purposes?966 Words   |  4 PagesShould Animals Be Used for Testing Purposes? Testing on animals has always been a controversy often debated. Millions of animals are tested on each year to aid in the research and development of commercial and scientific products. Animals get tested on to ensure the safety of human use or consumption in anything from beauty products to medicine. Testing has enabled life-saving advancements in medicine; however it is no longer necessary to harm animals in the process of saving humans. Animal testingRead MoreAnimal Experimentation1612 Words   |  7 Pagesaccept animal experimentation but they also increased the use of genetically modified mice in carrying out such tests. On July 27th official statistics showed that, for the first time, the use of genetically-modified animals has outstripped that of conventional creatures and hardly anyone flinched knowing that† (Britain: Tweaking the Experiments; Animal Testing). Imagine the world without the essential vaccines that are used to promote healthy humans, but that is the wor ld without animal experimentationsRead More Animal Experimentation: A vital role in medical reasearch Essay1035 Words   |  5 PagesAnimal experimentation has been and will continue to be a source in scientific research. Similarities between animals and humans allow for researchers to provide safer drugs and new treatments for diseases. (Foundation for Biomedical Research (FBR), 2008). Animal experiments have provided many positive outcomes in medical advancements that save human and animal lives. However, many people in today’s society have an emotional attachment to animals which fuels opposition to animal experimentationRead MoreAnimal Experimentation Is Wrong?1687 Words   |  7 Pagestypes of animals and respect them as equals on their shared territory. Animals are not treated as equals and therefore the animals are suffering from the harm that humans are inflicting on them through animal testing experimentation. These acts of animal experimentation have caused a decrease in the number of some species of animals, while others have broken several rights that animals have and are protected under The Animal Welfare Act. Animal experimentation is wrong because people use animals for beautyRead MoreHuman Tissue Toxicity Experimentation Will Allow For Eradication Of Animal Testing1480 Words   |  6 PagesChimpanzees are the closest living genetic animal to humans, even closer linked than gorillas. Scientist Joe Aguirre’s data conveys there’s a 1.2% difference between humans and chimpanzees DNA. Chimpanzees watch over their families and have long lasting friendships. They spend all day with their family playing, exploring the rainforest, grooming each other.According to one of PETA’s co-founders Alex Pacheco , there’s a different description of how chimpanzees spend their days in Silver Spring

Comparing Public and Private Administration - 690 Words

Public and Private Administration Public and Private Administration Public administration is a type of administration in which the rules, regulations and different governmental policies are implemented. In public administration, the decision-making is based on the government and the officials of the organizations where public administration is practiced are mostly non-elected (Simon, Smithburg, Thompson, pg 9-12). These unelected officials are sometimes considered as heads of the state, city, federal departments, human resource administrators, census managers, cabinet secretaries and city managers. These public administrators work in government agencies and departments and act as public servants at different government ranks (Denhardt Denhardt, pg18). On the other hand, private administration is the administration of private organizations. Due to this reason, it is sometimes referred as business administration. There are a number of differences as well as similarities between public and private administration. The basic difference is in the aims and objectives of each administration. Private administration is in those organizations, which aim to earn the profit for individual benefits from the customers in the market (Denhardt Denhardt, pg 18). This benefit is the economic profit. Whereas, public administration is in those agencies which aims at earning such benefits that are good for the whole society. These are the societal or social benefits. The otherShow MoreRelatedPublic And Private Management : Are They Fundamentally Alike? 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The Song and Dance Man Free Essays

Nicole Leroy Instructor Michelle Hudgens English 250 10 October 2012 The Song and Dance Man I choose the book The Song and Dance Man. This book was one of my favorites as a child. It was written by Karen Ackerman and illustrated by Stephen Gammell. We will write a custom essay sample on The Song and Dance Man or any similar topic only for you Order Now The Song and Dance Man received the Caldecott Medal in 1989. The story is about grandchildren coming to visit their grandparents. The grandpa decided to show his grandchildren his past life as a song and dance man and what people did for entertain long before television. The theme of the story is that family is more important than being famous. He shows them that he appreciates his past but loves the life he currently has. The grandpa shows throughout the story how much he loves and cherishes his time with his grandchildren. He also shares with them his former life as a song and dance man on the vaudeville stage and what people use to do for entertainment. In the attic, the grandchildren see the posters of grandpa from the past realizing that he was once a famous dancer and entertainer. The underlying message is that it is important to stay young at heart. Grandpa danced away even though he had to cushion the corns on his feet. In the story, the grandpa says, â€Å"I wonder if my tap shoes still fit? † all while he is smiling, knowing that the shoes will still fit. The grandpa shows the children that it is ok to make believe and use your imagination to have a good time by sharing his dancing and magic tricks. The grandchildren get to explore their own creativity by trying on old clothes pretending, singing and dancing their selves. The story is told from the point of view of the grandchildren. You can feel the admiration, respect, and love that they have for their grandfather. As the grandchildren watch their grandpa, they clap their hands and call out â€Å"Yay, Grandpa! † This sets the light-hearted, fun, loving mood and tone of the story. The language used by the narrator is calm, loving, with lots of excitement and amazement when grandpa begins to dance and becomes a different person, the song and dance man. The narrator shows his amazement when he says that the sounds coming from the shoes is too many to be made with only two feet. The children see their grandpa as a different person when he becomes the song and dance man. When they travel up the steps to the attic it is like they are going back in time. In the story it says, â€Å"We forget that it is grandpa dancing, and all we can hear is the silvery tap of two feet, and all we can see is song and dance man gliding across a vaudeville stage. Occasionally during his performance, he becomes grandpa again when he tries to cure the hiccups of one of the grandchildren. Then he is back to performing telling jokes and playing tricks. The performance is over, he puts the shoes and clothes back in the trunk and heads for the stairway and he is grandpa again. When the children come back down stairs he whispers, â€Å"He wouldn’t trade a million good days for the days he spends with us. † The silver half-moon tap shoes, top hats, and bow ties all symbolize grandpa’s past as an entertainer before he became a husband, father, and grandfather. The posters still hung in the attic shows his love of the past. When they return down stairs, grandpa glances back up the steps it symbolizes his appreciation and fondness of his past life as a song and dance man. The illustrator used many colors in a light, pastel in nature. The use of light instead of bright colors seems to set the stage for happy, calm, and relaxing setting. Two of the main colors used by the illustrator are red and yellow. These colors give a feeling of warmth, cheerfulness, and excitement. Some of the pictures have a lot of blue. The blue seems to represent the calm, serenity of the setting. The pictures have a lot of texture through the picture marts because they draw with some sort of colored pencils. The use of colored pencils helps add to the youthful, light heartedness, and fun of the story. Shading shows is used to show depth and at time darkness at the edge of the lighted areas. The illustrator used of lots of empty space in the pictures to show quiet, serene time. For example, at the beginning of the story, before the children arrived, the illustrations are small and do not take up the whole page. Later in the story when the grandpa is dancing, the pages are full of color and pictures to show excitement, movement of grandpa’s performance. The illustrator used many lines around characters and objects to show that they are moving. He used lots of lines, sometimes in a zig zag form, to show fast quick motions like when grandpa is dancing or tossing objects into the air. He used fewer lines to show slower movements and no lines to show lack of movement. The objects in the picture are random and tilted in places to show the relaxed nature of the environment at the grandparents’ house. In the end of the story, the grandpa and grandchildren returned down the stairs, back to present time, where grandma has dinner ready. He hugs his grandchildren showing them that even though he loved his song and dance life, he loves his grandchildren more. He would not trade them for no amount of fame. How to cite The Song and Dance Man, Essay examples

The Taming of the Shrew In Petruchios Trash Essay Example

The Taming of the Shrew: In Petruchios Trash Essay In The Taming of the Shrew, Petruchio is one of the main characters and aides in the flow of the plot. He is what some would call the male version of a gold digger; someone looking to marry solely for financial gain instead of focusing on what most look for-chemistry (or attraction), morals, overall character, and, most importantly, love. From this piece of information alone, Petruchios character and beliefs are revealed quite clearly as we are able to infer that he is only looking for one thing. His desire for money is his first priority, whether it comes along with an angel, or, in this case, a shrew.After learning of Petruchios mannerism, it should be of no surprise to learn of the lengths he would go to get what he wants. It is easy, in this case, to discover the items that would be found be found in Petruchios trash. Starting deep down in Petruchios trash can, one can find an old newspaper ad, specifically a personal ad, for one none other than Petruchio. This personal ad includes the title Wanted: Rich Woman Ready to Marry.Based on the title, there is no doubt that there werent many responses to Petruchios advertisement. We will write a custom essay sample on The Taming of the Shrew: In Petruchios Trash specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Taming of the Shrew: In Petruchios Trash specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Taming of the Shrew: In Petruchios Trash specifically for you FOR ONLY $16.38 $13.9/page Hire Writer This proves the theory that poor Petruchio would go to great lengths to find wealth-although it is a great shame that he should have to go so far as to resort to using a newspaper ad. However, this advertisement was found in a newspaper was found in a newspaper from Verona. This could mean that after Petruchios unsuccessful attempt to find wealth through a newspaper, he was off to Padua where, incidentally, he met Katherina.Petruchio must have bought this next item after he met Katherina since it is a self-help book aptly entitled My Future Wife Wears the Pants in our Relationship: A Guide for Men Trying to Secure the Pants Before Marriage. There is absolutely no way that Petruchio would have bought this book while in Verona, as his mind-set was to find a rich woman of any sort. After learning of Katherinas character-rude, ill-tempered, loud, shrewd, violent, impatient, and many more-is it any wonder as to why Petruchio would purchase an item as this? It seems that not only is Petruchio in great need of money, but also control and authority. If the title of this book is any indication of Petruchios will-power, there is no doubt left to claim the he is a quitter.The self-help book thrown in Petruchios garbage may have been thrown there following numerous pieces of broken dishes, uneaten and burnt meat, and various pieces of cloth, as well as materials used for disguises. It is written in Act IIII, Scene I III what Petruchio does in order to eventually tame Kate. His methods vary from starving Kate to giving her no piece of mind. These items end up in Petruchios garbage because after taming Kate, he had no use for them anymore. Unfortunately, many things were sacrificed and wasted in order to complete Petruchios scheme.Finally, one of the last items that one can find in Petruchios garbage can is an old, crumpled piece paper. This is not just any old paper, but a very important list. This list is one which outlined Petruchios plans for with the dowry he would receive after marrying a wealthy woman. After Petruchio marries Katherina, we can see subtle changes in Petruchios character. The subtle changes that we see in Petruchios character help us realize that not only is Petruchio unconcerned about getting rich, he is falling in love with Katherina.By throwing away this list, Petruchio can wholeheartedly proclaim that he isnt in it for the money. The items found when one snoops through Petruchios garbage should be no surprise at all. Granted, the items found in Petruchios garbage would not be found in most male newlyweds garbage, but the compilation of these items is what makes PetruchioPetruchio.

Paula Deen Example

Paula Deen Example Paula Deen – Essay Example PAULA DEEN             In various aspects of management, there are essential skills that are beneficial to managers. Paula Deen is a celebrity chef with vital expertise in cooking. Hard work is imperative in every activity in the world of business and Paula Deen’s skills and hard work are evident since she took over from her home business and expanded it to be better (Barrows & Powers, 2009). Moreover, the cooking business requires a focused individual who has the crucial skills to do a great job in the business. Managers like Paula Deen possess unique management expertise and skills, which enables them to act wisely and effectively in their management positions. Paula Deen is more than a cook with culinary, management, and interpersonal skills that, make her unique. Generally, chefs oversee the daily operations of every activity in a hotel. A chef is an expert who can alter and work through various menus and recipe. Hence, these individuals are planners and organizers in every aspect of management. Therefore, there are various skills, which are vital to managers in their daily operations. Even though individuals require motivation to work in the food industry, business skills are very important (Barrows & Powers, 2009). Communication skills are very essential to every hotel manager. Therefore, a chef like Paula Deen requires these skills to relate and collaborate well with the staff. A hotel usually hires and schedules staff that help in daily operations. Communicating effectively to others in the work place is an invaluable skill that is essential to every manager. Therefore, Paula Deen is an effective manager who is able to deal with individuals from different cultures and backgrounds. Hence, various organizational and coordination skills are important on the food and beverage industry besides cooking and serving. Paul Deen was a professional chef who exuded confidence, intellectualism and inherent leadership etiquette. As a chef possessing these skills, he was capable of engineering the development of the management’s operations. References Barrows, C. W., Powers, T. F., & Powers, T. F. (2009).  Introduction to management in the hospitality industry. Hoboken, N.J: John Wiley & Sons Benfari, R. (2013).  Understanding and changing your management style: Assessments and tools for self-development. Hinman, B. (2012).  Paula Deen. Pittsburgh: Eldorado Ink.

Legalization of Marijuana in Some States is Wrong

Legalization of Marijuana in Some States is Wrong The US of Marijuana: A Democracy That Stands Wrong As of spring 2016, several states in the United States of America have legalized the possession, production and the use of marijuana for recreational purposes. Marijuana, or Cannabis, is one of the most widely used drugs in the world, only behind alcohol, caffeine, and nicotine. The substance is a psychotropic or psychoactive  drug that gives its user a â€Å"high† or â€Å"stoned† feeling and alters their conscious perception, giving them a heightened mood, relaxation and an increase in appetite. In some parts of the world, including many American states, a person can get prescribed â€Å"medical marijuana† for their ailment, such as cancer, a sleeping disorder – the list goes on and on. But looking at the facts from a Democratic standpoint, it’s evident that the legalization of marijuana in some states is wrong. Cannabis Is Highly addictive For one, on a federal level, marijuana is still considered illegal. This is quite true. Under the Controlled Substances Act, cannabis is classified as a Schedule I drug, which means that the federal government views cannabis as highly addictive and having no medical value (even though this could change in the near future). It’s strange how the buds of a plant, a gift from God that heals people’s ailments and disorders, can be illegal. Nonetheless, if a state legalizes marijuana, which the Federal Government of the United States of America does not allow, technically, it is still illegal and therefore wrong from a democratic standpoint. Now, this may not be the case a year from now, two years from now, 10 years from now, but soon each state in the United States of America will be legal, under Federal Government laws, allowed to produce and sell marijuana – whether for medicinal or recreational purposes. But until then, it is still illegal, wrong. Secondly, the legalization of marijuana in some states is wrong if, on a state level – and states in America have a lot of power on their own – a majority of the voting public did not vote in favor of the legalization of marijuana. It is wrong if the state government imposes the legalization of marijuana if the citizens of that state do not want the plant legalized for medicinal or recreational purposes. If this were the case, it would be essentially wrong. It’s that simple. Of course, the opposite is happening: the governments of many states have already legalized marijuana for medicinal and recreational purposes – this will only continue to spread. This has been the will of the people in those states to have marijuana made legal in some regard. They have voted for this, so it is right. If imposed on the people, it is wrong. Get more information here: Obtaining a Law Degree Law Essay Writing Smoking in Public Places Should Be Banned Contributing Factors of Student Suicides Violence against Female University Students Cannabis Industry Should NOT Involve Minors Third, and lastly, the legalization of marijuana in some states is wrong when the cannabis industry involves minors. In these states, a person under the age of 18 should never come in contact with, use or be involved in the production or manufacturing of cannabis; if this does happen often and become a problem, then the legalization of marijuana is certainly doing wrong. No industry should negatively influence or exploit children. This violates human-rights laws and practices. Also, one more thing a person could argue about the legalization being wrong is if the company doesn’t pay it taxes to the federal and, or, state government. We see businesses in states like Colorado, Washington, Oregon and Alaska – which have legalized the selling, usage, and production of marijuana for recreational purposes – paying their taxes to the federal government, even though the industry violates a federal law. Either way, the legalization of marijuana in some states is wrong if m arijuana-based businesses involve minors or sell to minors or dont pay its federal and state taxes. Even though these aforementioned points indicate what is wrong with the legalized marijuana industry in some states, many people in quite a few states feel that legalization is definitely a step forward. In fact, there is talk about several states passing the legislature this fall, laws that would legalize or decriminalize cannabis for either medicinal or recreational purposes. Legal cannabis is righteous to many people; but, once again, the legalization of marijuana in some states is wrong when a business in the cannabis industry involves minors, or doesn’t pay its taxes to the state and federal governments, or when a state passes legislation (because it’s still illegal in the eyes of United States Government), especially when against the will of the people.