I Made a Late Payment. Will it Affect My Credit Score?

by | Oct 28, 2010 | Personal


I Made a Late Payment. Will it Affect My Credit Score?

By: Ryan

Let’s say you made one of those big no-no credit mistakes. You went out of town on vacation for a week, came back home and realized you totally forgot to pay your credit card bill. It happens all of the time.

Chances are you are okay. The worst thing that may happen is you have to pay a late fee, but more than likely the creditor won’t report your one-time late payment to the credit agencies. Most lenders and creditors will not report bad repayment history until you are 90 days late, and if they do not report it, it does not end up on your credit report. Since your credit score is calculated by the information on your credit report, you’re in the clear.

But what if they do and that late payment ends up on your credit report. Sadly, if you have an otherwise good credit score, this will affect you the most. It could knock 100 points off your credit score – ouch! Late payments by people who already have a crummy credit score won’t get dinged nearly as bad.

This may actually not be entirely true though. The way FICO is calculating credit scores going forward now gives some forgiveness to people who made that one-time mistake, but will further penalize people who have a history of not paying their bills.

The best solution to make sure this does not happen is to set up automated bill paying. That way, no matter what, your bills get paid.

If, however, you have a history of making late payments, you’re in a bit more trouble. You’ll want to get a copy of your credit report and take some of the steps to increase your credit score, which you can do completely on your own.

About the Author

Find out how your credit score compares to the national and get your quick credit fix. Download your credit score and reports for free at http://www.thecreditfix.info

(ArticlesBase SC #397790)

Article Source: http://www.articlesbase.com/ – I Made a Late Payment. Will it Affect My Credit Score?

Career Opportunities in Brighton

Career Opportunities in Brighton

by | Oct 28, 2010 | Uncategorised

Career Opportunities in Brighton:

Top Tips On Finding Jobs In Brighton

By: Louise G

Do you live in Brighton down on the South coast of England? Do you think you’re underemployed and are searching for relevant opportunities that you will find suitable for you? Well, if you’re a jobseeker in Brighton then there are numerous things you can do so that you can find suitable opportunities. Here are a few basic tips on how to find jobs in Brighton.

Talk to people who you know. If you have already been living in Brighton for quite a while then you should have a circle of friends and possibly family in the region. These people may know of job openings that might be suitable for you, however it is essential that you are always asking around so that they know you are currently searching.

Go online and look on your favourite search engine about finding jobs in Brighton. Simply typing in a few of these keywords will always come up with a number of different websites that one could look through for suitable roles. Type in the sort of role you are looking for specifically and you should be able to narrow down your search.

Take time to sign up with local recruitment agencies in Brighton. Recruitment agencies will be extremely helpful while searching. While you are doing your own activities in order to find work, they will be helping you out as well. Sign up with as many as you can and they will be able to assist you in finding plenty of different opportunities that suits your criteria.

One final tip is always to simply spend time looking in the local classifieds in local papers. There are several different local newspapers that will constantly be adding new jobs to their employment sections. Look in these every single day and you ought to find some suitable opportunities.

Brighton is a vibrant and exciting city with something fro everyone, from the chic boutique shops, cafes and bars in the Lanes to the Royal Pavillion. Brighton really is buzzing with
a wonderful cosmopolitan culture it is the place to make your career and life grow. Brighton is fun with a capital F, so many different styles of property to choose from, smart flats over looking the Marina, converted georgian flats along the sea front in Hove to small mansion on the Dyke Road. If you want to feel alive and thrive you should live, work, rest and play in Brighton.

About the Author

The author is an expert in the field of work in Brighton and extensive knowledge to help those seeking careers in Brighton. Areas of expertise in fact include any qualified route to finding Brighton jobs. To search and apply for thousands of jobs in Brighton go to http://Brightonjobsno1.co.uk

(ArticlesBase SC #3487892)

Article Source: http://www.articlesbase.com/ – Top Tips On Finding Jobs In Brighton

History of Brighton

History of Brighton

by | Aug 27, 2010 | Brighton, Lead Story

The ancient settlement of Brighthelmstone dates from before Domesday Book (1086), but it emerged as a health resort featuring sea bathing during the 18th century and became a destination for day-trippers after the arrival of the railway in 1841. Brighton experienced rapid population growth, reaching a peak of over 160,000 by 1961. Modern Brighton forms part of the Brighton/Worthing/Littlehampton conurbation stretching along the coast, with a population of around 480,000.

In the Domesday Book, Brighton was called Bristelmestune and a rent of 4,000 herring was established. In June 1514 Brighthelmstone was burnt to the ground by French raiders during a war between England and France. Only part of the St Nicholas Church and the street pattern of the area now known as “The Lanes” survived. The first drawing of Brighthelmstone was made in 1545 and depicts what is believed to be the raid of 1514. During the 1740s and 1750s, Dr Richard Russell of Lewes began prescribing seawater at Brighton.

By 1780, development of the Georgian terraces had started and the fishing village became the fashionable resort of Brighton. Growth of the town was further encouraged by the patronage of the Prince Regent (later King George IV) after his first visit in 1783. He spent much of his leisure time in the town and constructed the Royal Pavilion during the early part of his Regency. Although contracted forms of the name are attested since the 15th Century, it was not until this period that the modern form of the name came into common use.

The arrival of the railway in 1841 brought Brighton within the reach of day-trippers from London and population growth from around 7,000 in 1801 to over 120,000 by 1901. The Victorian era saw the building of many major attractions including the Grand Hotel (1864), the West Pier (1866) and the Palace Pier (1899).

After boundary changes between 1873 and 1952, the land area of Brighton increased from 1,640 acres (7 km2) in 1854 to 14,347 acres (58 km2) in 1952. New housing estates were established in the acquired areas including Moulsecoomb, Bevendean, Coldean and Whitehawk. The major expansion of 1928 also incorporated the villages of Patcham, Ovingdean and Rottingdean, and much council housing was built in parts of Woodingdean after the Second World War.

More recently, gentrification of much of Brighton has seen a return of the fashionable image which characterised the growth of the Regency period. Recent housing in the North Laine, for instance, has been designed in keeping with the area.

In 1997 Brighton and Hove were joined to form the unitary authority of Brighton and Hove, which was granted city status by Queen Elizabeth II as part of the millennium celebrations in 2000.

Brighton is sometimes referred to as London-by-the-sea
Excerpt from Wikipedia