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Dispute Sample Letter

Dispute Sample Letter

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

Complaint Department
[Company Name]
[Street Address]
[City, State, Zip Code]

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please reinvestigate this [these] matter[s] and [delete or correct] the disputed item[s] as soon as possible.

Sincerely, 
Your name

Enclosures: [List what you are enclosing.]

Connect with Santasia:

Website: www.creditdonesimple.com
Twitter Handle: @mscandihill
Instagram Handle: @I_am_candihill
Facebook Handle: Santasia "Candi" Hill
Linked In: Santasia L. Hill

 

STARTING OVER WITH SHYREETA


Tradition vs. Entrepreneurship


Tradition states that we have to go to school and earn our college degree so that we can then pursue the thought of getting married and raising a family along with living in a house on the hill.

As we know, times have changed tremendously!

The only thing is... We've changed our thinking!

We are looking to kick that 9 to 5 job to the side and run full-fledged towards our dreams. While we feel strongly that we're making the correct decisions, there's always the person that's close to us discouraging us with their negative "What If?" So then we start to think "What if, I can't pay my bills, I lose my house, my car, and most of the loss of income that I already receive at work?”

I'm here to say that it's all true...depending on our grind. If we keep thinking negative, we will receive negative results.

In order to bypass the naysayers, we have to find ourselves a good business network of people. I find myself so excited to speak with other entrepreneurs because they kick my passion to thrive into overdrive. They get it! They get the struggle! Rest assured that everyone that we'll meet on our journey, will instill tidbits of value and experience to our burning desire to become successful. This will alleviate the sharing of information with the people that are traditionally driven.

I also wanted to touch on significant others that totally don't see or believe in our vision. We must realize that it is our vision and not theirs. We can't expect them to get it but we can show them a visual. Otherwise, we can find what motivates us best and gravitate to it when we're not so motivated. Accept change and consistently fine tune your business model if things don't seem to pan out how you want them to. Find a BBF (business best friend) and ask for direction. I have been really grateful for all of the people (including you ladies) that gave me guidance on moving forward after what could have been failure. They were also open to sharing helpful information with me.

Keep your head up and your ears open to new opportunity. Stay prepared because you never know who you're speaking with.

Connect with Shyreeta:

Website: www.ibrandmatchmaker.com

Instagram: Shyreeta_shops4u

Facebook: Shyreeta Benbow

Linked In: Shyreeta Benbow

 

Photo Credit: Rich Cruse

 

 

Know Your Rights

Know Your Rights

Know your credit rights...how many of us actually read that information that comes along with your credit file. It's important information that can make a difference. Listed below are a few of those important facts.

You must be told if information in your file has been used against you. If you are denied for credit, insurance, or employment – you must be give the name, address, and phone number of the agency that provided the information. 

You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency. (Identification may be required) 

You have the right to ask for a credit score. (Cost varies depending on credit agency)

You have the right to dispute incomplete or inaccurate information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, or landlords. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.

You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights.

Connect with Santasia:

Website: www.creditdonesimple.com
Twitter Handle: @mscandihill
Instagram Handle: @I_am_candihill
Facebook Handle: Santasia "Candi" Hill
Linked In: Santasia L. Hill

 

 

STARTING OVER WITH SHYREETA

Self-Criticism - A positive approach


"Confront your path with courage, and don't be afraid of the criticism of others. And, above all, don't allow yourself to become paralyzed by self-criticism."

Self-criticism - critical of oneself, one's abilities, or one's actions in a self-aware or unduly disapproving manner.

Although many people believe that being hard on themselves will make them better people, research does not support this belief: Self-criticism has been shown to increase procrastination and rumination and impede goal progress. If you already feel worthless and incompetent, you may feel like there’s no point in even trying to do better next time.

Whether your M.O. is to build yourself up or put yourself down, it’s all about self-judgment. The focus is on, am I good person or a bad person? It’s easy to lose sight of questions that are more likely to get us somewhere, like how did this happen, and how can I avoid letting it happen again? What does it take to get out of the trap of self-judgment? 

1. Are you thinking positively?
2. What is your solution?
3. Can you use a second opinion?
4. Have you stepped away completely, took time out for yourself, and returned to a blank canvas to start over?
5. Are you worried about what others think?
6. What's makes you happy?

Make sure your thoughts aren't poisonous to your well-being. Believe in yourself and know that there is a difference in being cocky and confident.
Post 3
Tradition vs. Entrepreneurship
Tradition states that we have to go to school and earn our college degree so that we can then pursue the thought of getting married and raising a family along with living in a house on the hill.

As we know, times have changed tremendously!

The only thing is... We've changed our thinking!

We are looking to kick that 9 to 5 job to the side and run full-fledged towards our dreams. While we feel strongly that we're making the correct decisions, there's always the person that's close to us discouraging us with their negative "What If?" So then we start to think "What if, I can't pay my bills, I lose my house, my car, and most of the loss of income that I already receive at work?”

I'm here to say that it's all true...depending on our grind. If we keep thinking negative, we will receive negative results.

In order to bypass the naysayers, we have to find ourselves a good business network of people. I find myself so excited to speak with other entrepreneurs because they kick my passion to thrive into overdrive. They get it! They get the struggle! Rest assured that everyone that we'll meet on our journey, will instill tidbits of value and experience to our burning desire to become successful. This will alleviate the sharing of information with the people that are traditionally driven.

I also wanted to touch on significant others that totally don't see or believe in our vision. We must realize that it is our vision and not theirs. We can't expect them to get it but we can show them a visual. Otherwise, we can find what motivates us best and gravitate to it when we're not so motivated. Accept change and consistently fine tune your business model if things don't seem to pan out how you want them to. Find a BBF (business best friend) and ask for direction. I have been really grateful for all of the people (including you ladies) that gave me guidance on moving forward after what could have been failure. They were also open to sharing helpful information with me.

Keep your head up and your ears open to new opportunity. Stay prepared because you never know who you're speaking with.

Connect with Shyreeta:

Website: www.ibrandmatchmaker.com

Instagram: Shyreeta_shops4u

Facebook: Shyreeta Benbow

Linked In: Shyreeta Benbow

 

Photo Credit: Rich Cruse 

New You...Old Ways

New You...Old Ways

Many make New Year's Resolutions or New Years Resolutions. Pay attention to the grammar and punctuation on the word Year. The reason why I did that is because some resolutions rollover to the next year or season and are not specified to one particular season. This won't be a long blog because it's not a subject matter that should take a lot of time. People often order drinks "straight no chaser", well we should accept coaching or correction the same way. I often tell people, facts are easier to accept than truth is. Why?

I'm glad you asked. Facts are challenging and Truth is confrontational. You know it's true. People can handle what seems to be facts but truth makes you make some decisions. Say for instance, a person who is diabetic can handle that the large amounts of sugar places them in danger of a diabetic coma, but the truth is they must discontinue the consumption of sugar.

The thought of letting go is what paralyzes the individual. They are already thinking of ways to compensate sugar in their life. They'll try sugar substitutes, limited amount of sugar, take extra medicine and so forth instead of just getting rid of the sugar. We do our hearts, spirits, purpose, business and relationships the same way. Instead of getting rid of the thing that is causing us harm, we find ways to fit it in or we find substitutes. Fact is it's harmful, truth is I have to get rid of it in order to better. We are desiring to go into 2016 with new expectations, but we failed to get rid of the things and people that could possibly cause us to miss out on some great things and opportunities. We revamp our vision boards but with old mindsets.

Many just changed the pictures but the way to achieve what we believe we see for ourselves, is old. If you are going to get anything that you have never had before, you're going to have to do something you've never done before. You can't put new wine in old wine skins. Its capacity to hold, its potency, and power isn't strong enough. So, I admonish you that if you're going to declare to be a New You in seasons to come, you have to remove and detach from old ways. Fact is you're not a bad person, but the truth is what you've been doing is no longer working for who you're desiring to become. There is so much greatness on the inside of you and what's to come is far exceeding greater. Learn to forgive yourself and don't be afraid to try.

Budget, track spending and create a savings for what you desire to do. Spend more time developing your gifts, integrity and character. Revisit your core values and have an accountability partner. Say I need you and I love you more often. Laugh, dance, and relax. The only thing that should roll over from year to year are vacation days, not bad thoughts, strategies or habits. I'm guilty of it too. I say if the majority has tried it and IT (whatever IT may be) hasn't work, be the minority that will dare to be different in order to get different results. Dare to be different and different is daring but it's undeniably ok to be so. 

Connect with Melody:

Website: www.stilettoauthority.org
Twitter Handle: @melodyjoy_
Instagram Handle: @stiletto_authority
Facebook Handle: Melody Joy (Stiletto Authority) 
Linked In: Melody France

 

Photo Credit: Conscious Living Radio

January is National Financial Wellness Month

January is National Financial Wellness Month

Start your year off on the right foot…It is National Financial Wellness Month and the perfect time for a fresh start. Breaking old financial routines and creating innovative routines that will allow you to make better financial decisions. Get to know your credit on a deeper level. January is a great time to get your finances in order by following these simple steps.

1. Request your FREE credit report(s) from www.annualcreditreport.com. Be sure to request your credit file from each credit bureau (Equifax, Experian, and Transunion).
Each credit bureau could report different information. 
2. Review your credit report thoroughly
3. Dispute any inaccuracies

Connect with Santasia:

Website: www.creditdonesimple.com
Twitter Handle: @mscandihill
Instagram Handle: @I_am_candihill
Facebook Handle: Santasia "Candi" Hill
Linked In: Santasia L. Hill

 

GRATITUDE MONDAY WITH LESLIE BRISCOE

Do you consider the "no's" a praise?
“Many Thanx” 


I came across this story on a blog I was reading Monday in between meetings and reports. It caught my attention because I keep a prayer journal in which I write prayer requests from friends and family and in this article the author shared her way of tracking her prayer requests – she uses a key ring and laminated tags to write each request. I liked the idea of because it’s portable and it’s probably easier to find the prayers vs. me going thru pages and pages of my journal. Anyway – her blog made me think also about how we must learn to truly recognize God’s presence in our lives when He doesn’t seem to be answering our prayers and the importance of tracking the no’s. Below is a portion of her blog:


Whenever I consider a prayer answered, I write PRAISE on the tag and physically move that tag to the front. Seeing all those praise tags each time I move a new one has been a huge faith builder in my life.
One day, however, I realized I was writing PRAISE only when God said YES to my request. For example: “New job for my husband.” PRAISE! I moved that baby to the front when he accepted his new job. But what about all those tags still left hanging, with no praise? I felt God asking me to go deeper with Him. I felt Him asking me to consider His NO’s as answered prayers as well. That is when I began to trace my NO’s from the Lord.
One of the first NO’s my children will learn about in our faith journal happened a long time ago, but it’s a big one. The summer after my junior year in college, I applied to be a summer orientation leader. I thought I was a shoo-in for this position. I LOVED my school and I am pretty perky, if I do say so myself. Well, they clearly did not want my kind of perky representing their school to incoming freshman. I didn’t get in, and I have to admit, it was a serious blow to my ego at the time. So, I had to figure out alternate plans for that summer and I ended up with a demanding internship instead. Now, here’s where it gets interesting.
The following year, I started interviewing for my first job out of college. I applied for a position with a prestigious consulting firm in New York City and I was considered a candidate for the job only because of this specific internship experience. Simply put, I got the job…and guess where I met my husband? That’s right — at that firm in NYC! I could literally trace it all back to God saying NO to the orientation leader position at my college.
God said NO, but only because He wanted to lead me to the love of my life, the single most important blessing I’ve ever received, and the reason I have the privilege of a family to teach about faith!


I share this with you today because I think that once each of us begins looking at God’s no’s in our life, we will find example after example of how He led us to better things. We just have to track them. God’s no’s are another way in which God expresses his overwhelming love for us. Can you imagine how powerful this tool will be if we use it to witness to our kids, friends and family when they come to us with what seems like an unanswered prayer? The goal is that they will learn from us that God is always there and always working in our best interest – always causing everything to work together for good. 

Words of wisdom

- Leslie

Read More:

Faith Vs. Hope

 

 

Connect with Leslie:

Instagram: leslierenee12
Facebook: leslie renee thomas briscoe
Linked In: leslie renee briscoe

 

Photo Credit: Hummingbirdsplus.org

 

STARTING OVER WITH SHYREETA

Self Reliance Vs. Self Dependency

Have I become the people that hurt me?

Everyone has been plagued by hurt at one time or many times. But I'm here to show you how to become emotionally self-reliant and to no longer be emotionally dependent.

First I want to ask you do any one of these questions apply to you:

Are you looking for a romantic partner to make you happy?

If you have a partner, do you look to this person for love, for sex, for support, for reassurance, for validation?

Are you upset if your partner doesn’t react in a certain way, doesn’t meet a need?

When you’re alone, do you feel the need to fill the loneliness void with distraction? 

Are you always on your phone when you’re alone?

Do you complain a lot about other people? Get mad because of things they do?

Is your relationship the center of your universe?

What about your relationship with friends or your kids?

Do you get bothered if your partner does something that doesn’t include you, or cuts out something that you’ve been doing together? 

Do you need to be acknowledged for certain things that you do?

Usually this way of thinking starts in childhood. We rely on our parents for our emotional needs — love, comfort, support, validation, etc. And we don’t often develop emotional self-reliance skills as kids, because parents (out of love for us) do their best to provide for all these needs.

Then we become adults, without having learned emotional self-reliance. And so we look for someone else to fill our emotional needs. We look for the perfect partner, and will probably go through a few breakups, because 1) we’re not emotionally independent, and so we do needy things that hurt a relationship, and 2) our partner is probably the same way.

If we’re ever hurt, we blame the other person for hurting us. If they aren’t there for us, we blame them. If something bad happens to us, we become victims, because you can’t move on with your life if someone has done something bad to you, right?

However, there is a solution.

We have to learn this: Happiness is not outside ourselves.

Here's some example to practice while on your journey to self-reliance:

Sit by yourself, without a device or distraction, for a few minutes. Look inside of you. Notice your thoughts as they come up. Get to know your mind. See how fascinating it is. This in itself is an endless source of learning of oneself.

One of my sources of happiness is creating, coming up with ideas, producing something, and later presenting it to a group of friends or family. This gives me happiness, and a sense of accomplishment.

Learn to fix your own problems and not complain. If you complain, have a solution. If you are bored, try to fix it or at least try. 

If you are lonely or hurt, comfort yourself. It's easier to comfort others and harder to confront our own hurt.

If you lack attention or feeling love, don’t hope that someone will reassure you … reassure yourself. 

Take responsibility. If you find yourself blaming others, tell yourself that the other person is never the problem. Of course, it's easier to believe that the other person is the problem, but then you are reliant on them for the solution. If you believe that they aren’t the problem, then you look inside yourself for the solution.

If you find yourself complaining, instead find a way to be grateful for the simple things. 

If you find yourself being needy, instead find a way to give. 

If you find yourself wanting someone to help you, take the first step at helping yourself.

Create your own source of built-in happiness. Walk around as a whole, happy person, needing nothing as you have already provided the sources of love, attention, and the ability to pick yourself up when in a slump.

Remember: Practice Makes Perfect!

 

Connect with Shyreeta:

Website: www.ibrandmatchmaker.com

Instagram: Shyreeta_shops4u

Facebook: Shyreeta Benbow

Linked In: Shyreeta Benbow

 

Photo Credit: Rich Cruse

GRATITUDE MONDAY WITH LESLIE BRISCOE

Faith vs. Hope
“Many Thanx” 

 

I’ve been thinking a lot of about hope and faith – both are wonderful qualities to possess and you hear them used hand in hand, but the more I live this life, I am realizing that having hope without faith = NOTHING. We don’t seem to have an issue “hoping” but we do seem to struggle with the “faith part. To clarify the differences read the definitions of each:

HOPE = a feeling of expectation and desire for a certain thing to happen, an aspiration, wish, ambition, aim, goal or plan; a want for something or someone to happen

FAITH = when you come to the edge of all the light you have known and are about to step out into the darkness, FAITH is knowing one of two things will happen-there will be something to stand on or you will be taught how to fly

Let’s look at it another way – hope, while admirable, can be anxiety producing – you are waiting for “it” to come, to happen, to materialize. This often leaves us approaching life from a position of lack; scraping, pining and striving towards our goal. Waiting without control and living in our past or future. But then there is faith – faith is calm and comforting. It’s peaceful and safe and empowering. Faith allows us to “be” instead of “do”. Faith is knowing all is well – the confidence and assurance that God will bring all to pass, AND for our good!
It is both empowering and freeing to feel unattached to the outcome of our issues, our worries and concerns because we have the safety of faith. This doesn’t mean we don’t still create and work towards our collectives goals, work hard, pray and focus; but it does mean that we can release the need for control, lack of sleep, worry and anxiety because we have our faith – a deep sense of knowing that no matter what – He’s got us and everything in our lives is exactly as it is supposed to be. 

4 things to remember about our faith:
• Our faith must be tested
• Faith develops perseverance and patience
• You will use your gifts to the measure of your faith
• Your level of faith will determine the next assignment God gives you

“Now faith is confidence in what we hope for and assurance about what we do not see”, Hebrews 11:1

Words of wisdom

–Leslie

Connect with Leslie:

Instagram: leslierenee12
Facebook: leslie renee thomas briscoe
Linked In: leslie renee briscoe

 

Photo Credit: Hummingbirdsplus.org