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Ten Into 20: Grow Your Credit Score

ten into twenty

The Basics – Part 2
Does the formula treat all credit inquiries the same?
No. Research has indicated that the FICO score is more predictive when it treats loans that commonly involve rate-shopping, such as mortgage, auto and student loans, in a different way. For these types of loans, the FICO score ignores inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won’t affect your score while you’re rate shopping. In addition, the score looks on your credit report for rate-shopping inquiries older than 30 days. If it finds some, it counts those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.
What to know about “rate shopping.”
Looking for a mortgage, auto or student loan may cause multiple lenders to request your credit report, even though you are only looking for one loan. To compensate for this, the score ignores mortgage, auto, and student loan inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won’t affect your score while you’re rate shopping. In addition, the score looks on your credit report for mortgage, auto, and student loan inquiries older than 30 days. If it finds some, it counts those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.
Improving your FICO score.
If you need a loan, do your rate shopping within a focused period of time, such as 30 days. FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.
Generally, people with high FICO scores consistently:
·         Pay bills on time.
·         Keep balances low on credit cards and other revolving credit products.
·         Apply for and open new credit accounts only as needed.
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Information pulled from Credit Education Services.
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Daily Fitness Tip: Feel The Fire!

daily fitness tip

Eating a small, regular meals throughout the day will rev up your metabolism and help you keep burning fat all day. So go ahead, pack your meals and fill up your cooler and get that fire burning!

Sexy Pillow Tip: Head, Shoulder, Knees & Toes!

chocolate strawberry

Remember back in college, when we use to believe the size of a man’s feet might be a clue to the size of his you know what..?!?! Well turns out we weren’t so far from the truth. A man’s feet, particularly his toes, have a direct neurological connection to his penis.

So I strongly suggest you give your partner a foot massage and see what happens!!

Tamari Honey Chicken with Broccoli & Almond Butter Sauce

ttar_broccoli_h

We give a gourmet makeover to these oven-baked chicken thighs with a sweet honey and tamari flavor. We pair our chicken with steam broccoli and an Asian inspired almond butter sauce. Licking fingers is encouraged!

Serves 4

4 tsp low sodium tamari, divided

2 tbs raw honey, divided

1 tsp sesame oil

8 boneless, skinless chicken thighs, trimmed of fat

4 cups broccoli florets

2 tbs raw or roasted unsalted, natural almond butter

1 tbs rice vinegar

1 tsp Sriracha or hot sauce, optional

1. Preheat oven to 425 F. In a large bowl, whisk together 2 tsp tamari, 1 tbs honey, ginger and oil. Add chicken and toss to coat. Transfer to a parchment or nonstick foil  lined baking sheets in a single layer and roast for 10 minutes, or until cooked through (USDA recommends cooking to an internal temperature of 165F when tested with a food thermometer.)

2. Meanwhile, fill a large pot with water and fit with a steamer basket. Bring to a boil and add broccoli. Steam for 3 to 4 minutes until tender-crisp.

3.Meanwhile, whisk together almond butter, remaining 2 tsp tamari, remaining 1 tbs honey, vinegar and Sriracha, if desired. Divide chicken and broccoli among serving plates and drizzle broccoli evenly with almond butter sauce.

 

Nutrients per serving ( 2 chicken thighs, 1 cup broccoli, 1 tbs sauce): calories: 288, total fat: 12 g, carbs: 14 g, fiber: 2 g, sugar: 9 g, protein:,

Ready Baby

healthy belly

The best time to get ready for baby: before you even start trying!
Most women don’t know exactly when they conceive and by the time you take that pregnancy test, some of baby’s vital organs, heart, brain, spinal cord, are already developing. So as soon as you think you’re ready to have a baby: go see your doctor for a pre-conceptional visit, get informed and start your pregnancy and your baby on the right foot!