Sheikh Golatakar

Misdemeanors in Texas are crimes punishable by up to one year in local or county jail. Misdemeanors are categorized as Class A, B, or C. (Tex. Penal Code Ann. § 12.03 (2019).)

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While it may be simpler to throw on a few rings or a gorgeous dangling bracelet, more fashion-forward individuals may choose an anklet. However, many individuals may be unsure about the first step to take, or even if there is a particular ankle that should be worn with the anklet. Just what does it imply when someone says they are "anklet-less?" Anklet etiquette may seem scary if you're just starting to experiment with this new type of item, but there's really not much to it.

Bracelets that dangle from the ankle, known as anklets, are widely worn all over the world. This style of jewellery is among the oldest around, and over time it has come to symbolise a variety of things, depending on the country in which it is worn. So,what is the meaning of anklet on right leg?

In case you forgot, an anklet is another name for an ankle bracelet. Providing the fit is right, just about every bracelet can be worn around the ankle. More often than not, you'll need a larger size anklet than you would a bracelet.

Although a wide variety of anklets are available, the most widely worn are typically skinny chains with a single ornamental charm or pendant. It's not easy to pull off more ornate designs on the ankle. Don't let it deter you, though. A bracelet is an anklet if it can be worn around the ankle.

As with other forms of jewellery, ankle bracelets have been admired and worn for aeons. They've been around since at least 6,000 B.C. Women in Babylon may have worn ankle bracelets, as evidenced by artefacts found in the city. These artefacts were discovered in ancient Mesopotamian tombs that had been excavated from the time of the Sumerians.

Anklets were first created from wood, bone, stones, and even precious metals found in nature. Anklets were used as both a fashion accessory and a symbol of social standing.

The Egyptians had a word for these bracelets: Khalakheel. Only the Sumerian women and brides of the time could afford the ones made of precious metals and stones. Slaves, on the other hand, often wore anklets made of wood or leather.

Inquiries into the history of anklets have revealed that their use dates back at least 8,000 years in South Asia and India. Charming anklets were a common accessory for Indian wives. These charms jingled to attract attention to female wearers.

Payal ankle bracelets, which were given to newlyweds to represent a happy marriage, were also common. Anklets were a sign of power and independence for young unmarried Indian women. Females all over East Asia wore pattilu bracelets. Pattilus are ankle bracelets that have a toe ring attached to them by a thin chain. The term "barefoot ankle bracelet" now commonly refers to this style of ankle chain.d

Anklets were traditionally given to the bride by the groom as a symbol of his love and desire to become her legal husband, much like the wedding ring is worn on the left ring finger to express the wearer's marital status. Women who wore their jewellery on their right ankles were labelled "call girls."

The symbolic significance of anklets differs from one culture to the next, depending on factors such as colour and design. Anklet meanings can range from one style to the next, and even vary depending on which foot you choose to adorn.

Many customers who are considering purchasing an anklet bracelet may be unsure of which ankle it is intended for. It's a natural curiosity for many kinds of jewellery. There is considerable controversy concerning the anklet bracelet as well. The husband once also gave the bride an anklet. Those girls who prefer to be addressed as girls are represented by wearing the anklet on their right ankle.

Today, few individuals will spend time worrying about whether or not your anklet location is inappropriate. You can wear these beautiful creations freely except when doing the following: wearing them over clothing; wearing them in locations where noise would be inappropriate; and in business settings.

Wearing an anklet on one's right ankle is thought by some to be a symbol of undying love and devotion to one's partner. It will also signal to anyone looking for a hookup that you're content in your current relationship and aren't looking for new sexual partners.

Wearing jewellery on your right ankle could be a sign that you're on the hunt for a romantic partner. Wearing an anklet on one's right foot while married can be read as a signal of one's openness to having sexual relations outside of their marriage.

In Western culture, it is customary to wear an anklet on one's right ankle, which carries special meaning. Someone who is uninterested in relationships is indicated by the fact that they wear an anklet on only one foot, specifically the right one. It's important to remember that putting it on one's right foot signals an intention to cheat if one is married.

Wearing an anklet on your left ankle, as you might have guessed, tells folks that you're available, single, and ready to mingle, whereas wearing one on your right ankle sends the opposite message. But if you wear the right kind of anklets, people who are curious about you can learn much more.

An interest in dating but not necessarily in a serious commitment is communicated by wearing a heart-shaped charm anklet on the left ankle. However, tread carefully because this may be misunderstood by others as a desire for an open relationship after marriage.

A woman's interest in other women may also be inferred from the fact that she wears an anklet on her left ankle. In many societies, ankle bracelets worn on the left foot have magical significance. To protect themselves from harm, people wore anklet amulets. You could use them as protection from harm. Left-footed anklets may now indicate marriage or engagement. It's possible that you're interested in dating within this window, whether it's a casual fling, an open relationship, or something more serious with another user.

Definitely! If you ask some people, more jewellery is always better. Put on as many pairs of anklets as your stunning self pleases. Anklets can be stacked, mixed, and matched at will, but if you plan to wear them on both ankles, there are a few things to keep in mind.

Above all else, you wouldn't want your accessories to detract from your ensemble. Having many anklets may elevate an ensemble to a whole new level. There is, regrettably, an abundance of the good. Make sure the effect you want comes from the anklets you choose. Anklets that are too big or clumsy can detract from your delicate look. A tiny little chain might not be the best choice if you're trying for a tough or edgy vibe, but stacking on the ankle bracelets will certainly help.

However, if you want to make a statement with your anklets, it's generally better to stick to a single design.

The history of anklets is profound. Anklets have dual meanings across time and culture: they are often associated with sexual promiscuity but can also be used to signal social status. In the paragraphs above, we’ve shown how one’s relationship status could be indicated merely by the ornamentation of their ankles. Anklets have served this purpose for a long time, and they continue to do so for some people.

Since gold is one of the world's most desirable metals and hence a symbol of the highest social standing, it stands to reason that it is also one of the most expensive. This is in part because the mining of precious metals was so difficult before the invention of modern machinery and tools. So, those who could afford to use it as a personal accessory were definitely in the upper class. Those who see your well groomed feet and glittering gold anklet will immediately recognise you as royalty.

Sadly, the rest of the common metals are somewhat mundane. Metallurgical tradition places silver below gold and copper-colored metals below silver. Anklets are often made of metal, however there are other materials used throughout history and in modern times.

Slaves and the impoverished wore leather anklets in Egypt, whereas the wealthy wore gold ones. This is not the case now, but leather has never been seen as a component of a classy outfit. If you don't have a clear vision in mind, you risk seeming mismatched if you pair rough leathers with delicate charms.

The ornaments on your anklet are as, if not more, significant than the material it is made of. Gender-specific charms on an anklet are powerful. A person's openness to or acceptance of polyamorous or polysexual relationships might be inferred from their responses. Similarly, combining a feather with a male or female gendered emblem on an anklet can send a powerful message. If you wear an anklet with these charms, it will signal to others that you are single but not looking for a relationship. This attractiveness triad stands for aversion to romantic partnerships and aromanticism.

Anklets, as you probably already know, have made their way across the Atlantic and are now commonly worn by people everywhere. Women in other countries, such as India, still commonly wear anklets as part of their bridal jewellery, but these meanings and customs are not as strongly associated with them as they once were.

Consider if we now wore anklets as engagement rings. We live in a different world, but it doesn't mean that ankle bands can't have any contemporary significance. Some people, in particular, think it makes a difference which ankle you put an anklet on.

Some believe that if you wear it on your left ankle, it indicates that you are married yet open to other partners. Contrary to centuries-old customs, however, this idea is rarely adhered to with nearly as much fervour nowadays.

In the West, the current interpretation is equivalent to that of a bracelet or other jewellery item: it is simply an ornament that some people enjoy donning. There's no need to second-guess your motives if you want to sport an anklet.

Though anklets once carried significant value, such associations have faded away over the decades. Historically, anklets have been worn for a variety of reasons, including as a symbol of marriage in India and as a sign of social standing in Ancient Egypt. However, nowadays, individuals wear them for the same reason they wear any other piece of jewellery: because they want to.

Of course the fashionability of anklets rises and falls, but we still enjoy wearing them, especially in the warmer months of spring and summer. You can switch things up this summer by wearing a bracelet on one wrist and an anklet on the other.

Bloody Sunday , (January 9 [January 22, New Style], 1905), massacre in St Petersburg, Russia , of peaceful demonstrators marking the

Your Experian Credit Information Report (‘Experian CIR’) contains detailed information of your credit/loan history, including identity information, credit accounts, loans, credit cards, payments, and recent enquiries.

Experian CIR lists all the information held about an individual by us as provided by our members. It contains the consumer’s name, address and other individual identifying information, such as date of birth, PAN card number etc. It lists all recorded credit information for that consumer (type of borrowing, date of loan, current balance, payment history, any recorded defaults etc.) Finally it lists when lenders have made enquiries about the consumer – this confirms previous details of credit applications with the associated details of the type of facility requested, amount etc.

Your Experian Credit Information Report (‘Experian CIR’) contains detailed information of your credit/loan history, including your identity information, credit accounts, loans, payments, recent enquiries and credit score.

Experian Credit Score is a numeric summary derived from your repayment history of previous or existing loans and credit cards and from the enquiries performed by banks & financial institutions based on your loan application. Your Credit Score is based on the information in your credit information report. Higher the score, the more favorably it is viewed by banks and financial institutions.

An Experian CIR is a compilation of your credit history. The data contained in the Experian CIR is based on the information provided to us by all the member banks, financial institutions and other credit grantors registered with us. You can view your own credit information report, as it helps you to guard against fraud and identity theft. You can also point out any discrepancies in your credit information report to your respective lender and have this amended if the lender is agreement.

In general, members such as banks, financial organizations are scheduled to provide consumer credit information to Experian on a monthly basis. The day of the month that each organization sends updates varies. In other words, Experian might receive an update from member A on the first of every month and from member B on the 11th of every month, etc. Ideally, the Experian CIR will be updated as soon as data is loaded in the database.

Checking your Credit Report regularly shall help you to make big purchase decisions, such as a new car or a home and can be used for many other reasons. A good credit score may lead to you being offered better rates on common products such as credit cards, car insurance premiums and mobile phone contracts. Additionally, if any errors or if there is any information on the Credit Report that needs to be updated, you can identify it in advance and rectify the same with the help of the Credit Information Company and the respective lender.

Some key principles to follow to make your Experian CIR and Credit Score work to your advantage:

I. Review your credit report on a regular basis

Review your credit report regularly to make sure it’s up to date and accurately reflects your circumstances as mistakes can hurt your credit score. In particular, check those credit accounts where you have stood as a guarantor or you are a joint account holder to ensure repayment is as agreed with the lender.

In case of a settlement, it is important for you to know how the loan has been treated. Ask the lender whether it would be considered a waiver since a settlement is considered more negative than a loan repaid in full, but more positive than a default. It is important for you to follow up with the lender and ensure closure of old dues, if any.

Checking your own Experian Credit Report and Experian Credit Score does not impact your credit score.

II. Pay On Time

All repayments – and missed ones – are recorded on your credit report. Pay your EMIs on time and as agreed. Stay within the agreed credit limits and make necessary credit card monthly repayments in full and on time. If lenders see a patchy credit history that shows missed repayments, it suggests that you struggle to manage credit effectively and negatively impact your credit score.

III. Space out credit applications

A lender will likely check and leave a credit application search on your credit report each time you apply for new loan or credit card. Inquiries made by lenders because of an application you made for credit or loan can affect your score. Space out your credit applications and limit making several applications close together. Too many inquiries might mean that you’re taking on too much loan or that you’re in some kind of financial trouble and are looking for credit to help you out.

Shopping around for the best deal in terms of best interest rate for home loan or a new auto loan shouldn’t cause a problem but always make sure that the lender knows you are asking only for a quote and not making an application for loan or credit.

As part of the global Experian organisation, Experian has more than 30 years’ experience of managing bureau data, adding intelligence to that data and delivering scoring solutions. The Experian score is developed with the information received from the bureau members such as banks, financial organizations. This data universe may or may not be the same to the data available to other credit bureaus/credit information companies. In addition, each credit bureau/credit information company may use different data samples and techniques to derive their bureau credit score. Therefore, bureau credit score provided by each of the credit bureau / credit information company have unique meaning.

Credit Score changes over time, as your circumstances change. For example, paying off a loan could result in a higher credit score, while missing several repayments could reduce it. Every Credit Information Company has a separate range for credit score. There is no standard cut-off for a good score for a loan application.

Lenders set different thresholds for accepting a credit / loan application. These thresholds can also vary according to the type of credit you want, so you could be accepted for a home loan application but your application for a personal loan may be rejected. Lenders may grant someone credit for a credit score of “X” when another bank / lender refuses.

The Experian CIR is a representation of the latest information about you as provided by our member banks, financial institutions and other credit grantors. Only data provided by our members will show on your credit information report, but if both Lender X and Lender Y were members of our Credit information Company then this information would normally be shown to the inquiring lender. The name of the lender who supplied the information is not shown to our members, but is shown to you on your Credit Information Report.

On successful completion of online authentication, you shall get your Experian Credit Information Report and Experian Credit Score online in real-time, and a copy of the same will be emailed to your verified email address.

Download Application Form Get your credit report and score

You can access the Experian Credit Information Report and Experian Credit Score online through the web browsers: Chrome, Internet Explorer 10 (or above), and Mozilla Firefox.

If you have successfully completed the online form but have not received the verification email to proceed further, it is possible that you may have provided a different or an incorrect email address, or that the verification email link could have landed in the spam/junk folder of your mailbox. It is suggested that you provide an email address that you access regularly.

Please check the internet connectivity to your computer. If internet connectivity is available and still the screen hangs, please reach out to the Experian Consumer Support team and provide them with the Unique Transaction ID to investigate further.

If you get the message “Unable to Authenticate”, it means that we may have been able to successfully generate your Experian Credit Information Report and Experian Credit Score, however your online authentication could not be done.

In order to authenticate you, and to confirm your identity and address, please send password-protected email with scanned copies of your KYC document for identity proof (PAN card/Aadhaar card/ Passport/ Voter ID) and address proof (Aadhaar card/ Phone bill/ Electricity bill/ Bank statement/ Passport), along with the Unique Transaction ID to “consumer.support@in.experian.com”.

Upon successful verification of your documents, we will email your Experian Credit Information Report and Experian Credit Score within 2 business days from the receipt of your documents to your verified email address.

If you get the message “Authentication Unsuccessful”, it means that we have been unable to authenticate you online since the answers provided by you are not corresponding with the your credit information available with us.

In order to authenticate you, and to confirm your identity and address, please send password-protected email with scanned copies of your KYC document for identity proof (PAN card/ Aadhaar card/ Passport/ Voter ID) and address proof (Aadhaar card/ Phone bill/ Electricity bill/ Bank statement/ Passport), along with the Unique Transaction ID to “consumer.support@in.experian.com”. After successful verification of your documents, we will email your Experian Credit Information Report and Experian Credit Score within 2 business days from the receipt of your documents to your verified email address.

To apply for your Experian Credit Information Report,

1) Download Experian Credit Information Report “Application Form”

2) Complete the required details on the application form (don’t forget to sign it!)

3) Provide self-attested photocopies of Identity and Address proof (a signed and dated photocopyis required)

4) Make payment of ₹138 (via DDor NEFT)

5) Send us the completed and signed application form along with your identity proof and address proof, and either the demand draft or receipt of the NEFT payment

Send the above either via:

a) Regular post at:

Experian Credit Information Company of India Pvt. Ltd.,

Consumer and Customer Support Team,

Equinox Business Park, Tower 3, 5th Floor, East Wing,

LBS Marg, Kurla (West), Mumbai, 400070.

Or

b) via courier / speed post / registered post at:

Experian Credit Information Company of India Pvt Ltd

Consumer Support Department,

5th Floor,

East Wing, Tower 3,

Equinox Business Park, LBS Marg,

Kurla (West), Mumbai -400070.

To ascertain your identity and ensure that only you have access to your Experian Credit Information Report, we require you to send us self-attested photocopies (a signed and dated photocopy) of the following documents:

(a) Identity Proof (any one of the following documents)

(i) PAN card (recommended)

(ii) Passport

(iii) Voters ID

(b) Address Proof (any one of the following documents and the address proof should display your name)

(i) Electricity bill (no more than 3 months old and for your current address)

(ii) Telephone bill (no more than 3 months old and for your current address)

(iii) Latest bank statement (no more than 3 months old and for your current address)

(iv) Passport

(v) Lease / license deed

(vi) Sale / purchase deed

You can obtain your Experian Credit Information Report for a fee of ₹138 (₹100/- for the Experian Credit Information Report + ₹38 for Indian Speed Post and associated taxes).

It is now easy to pay for your Experian Credit Information Report. You can pay by either demand draft or using your Net banking facility or just by going to a bank near you and pay by cash.

Along with the completed and signed application form and the required documents, please send us either

a) Demand draft for ₹138/- payable to “ECICI Private Ltd” in Mumbai and valid for a period of 3 months or

b) Please send the receipt for the NEFT payment using your net banking facility or

c) The receipt for your payment at a bank branch.

Please click on the “Payment Options” link to the right to know more about the various payment options available.

To use this mode of payment you will need access to net banking. You will also have to enable third party money transfer facility for your account. Having done this please follow the steps given below to pay using NEFT:

Step 1: Please login to your net banking account and click on Third Party Money Transfer or NEFT payments as the case may be.

Step 2: Please add the beneficiary account for Experian Credit Information Company of India Private Limited using the details provided in the next step

Step 3: Fill in the following details for Beneficiary account:

Bank Name: Hongkong Shanghai Banking Corp Ltd,

Address: 52/60, M.G. Road, Mumbai 400 001

Account Name: Experian Credit Information Company of India Pvt. Ltd.

Account Number: 006075113001

IFSC Code: HSBC0400002

Swift Code: HSBCINBB

Beneficiary account name: Experian Credit Information Company of India Private Limited or ECICI Pvt Ltd

Account No: EXPN + (The number of the Identity proof you will submit along with your application which is either your PAN number or your Passport number or your Voter ID number. It is preferable to use the Pan Card number.) e.g. EXPNABC123456PN

Account Type: Current

Amount: ₹138/- (One hundred and thirty eight rupees)

Step 4: Follow the steps as per your net banking facility for completing NEFT

Step 5: After NEFT is successfully completed, a Transaction ID will be generated. Please take a print out of this receipt or a snapshot of the screen and send the same to us with the Experian Credit Information Report application form, address proof and identity proof documents.

Your Experian Credit Information Report will be dispatched to you within 20 business days from the date of receipt of your complete set of documents with the demand draft of ₹138/-(₹100/- for the Experian Credit Information Report + ₹38 for Indian Speed Post and associated taxes).

At Experian we have a rigorous process, which enables us to despatch your Experian Credit Information Report within 20 working days of receiving your completed and signed application form along with the required documents and a payment of ₹138/- (₹100/- for the Experian Credit Information Report + ₹38 for Indian Speed Post and associated taxes). However, if you have not received your Experian Credit Information Report after 20 days, please call us at 022 6641 9000 or send us an email to consumer.support@in.experian.com or write to us at Experian Credit Information Company of India Pvt. Ltd., Consumer and Customer Support Team, Equinox Business Park, Tower 3, 5th Floor, East Wing, LBS Marg, Kurla (West), Mumbai, 400070 and we will do our best to find out what the problem is with your application

We charge a nominal fee of ₹ 138/- (₹100/- for the Experian Credit Information Report + ₹38 for Indian Speed Post and associated taxes) per report. You’ll be charged the same amount every time you request for your Experian Credit Information Report.

As often as you wish, we apply no restrictions to this.

Unfortunately, since we have already processed your request for a copy of your Experian Credit Information Report, we are unable to refund the money or return your demand draft. Any documents provided by you will be securely stored by us; we do not return documents, which is why we only request photocopies. You will receive your Experian Credit Information Report shortly.

No, only members of the Credit Information Company, Specified Users as defined by the Credit information Companies (Regulation) Act, 2005 and to whom you have given consent while applying for a loan or a credit card and you yourself.

Knowledge is power when it comes to getting the credit/loan you want. Following are some of the common misconceptions regarding credit information company (‘CIC’) and credit history.

Myth 1: CIC decides who gets credit

Fact: CICs do not make judgments about the information in credit information report (‘CIR’). CICs simply collate and compile information that is provided directly by member credit institutions. The CIR is comprised of data derived from credit cards, home loans, auto loans, or such other monthly credit payments. Lenders use that the credit information to help them assess the risk of lending to any individual.

Myth 2: CIC denied you credit

Fact: CICs collate and compile your credit report. CICs do not make decisions; they only provide credit information to lenders/ credit institutions. The lenders/ credit institutions check the information in your CIR along with other information such as items from your loan application.

Myth 3: CIC holds a credit blacklist

Fact: CICs do not hold any credit blacklist. CICs only provide credit information to lenders/ credit institutions. Some factors that lenders do consider include your repayment history and how much you already owe.

Myth 4: Once a credit score is bad, it can never be rebuilt.

Fact: Credit Information Report contains detailed information of your credit history, including your identity information, credit accounts, loans, payments and recent enquiries. Your CIR indicates which credit accounts are closed or inactive, but the history remains nonetheless. Late or missed payments stay on your CIR as payment history. However, credit can be rebuilt over time. Rebuilding credit means paying on time, and the longer a credit history is without negative information (such as late payments) the better. The older the negative information is, the less significant it becomes.

Myth 5: Checking your own individual CIR affects your rating.

Fact: If you access your own Credit Information Report it does not have any effect on your credit score since it is a non-credit enquiry. Your review of your own CIR will be viewed as a personal CIR enquiry.

When you apply for credit/loan you provide consent to the lender/ credit institution to review your credit information. When a lender/ credit institution views your credit information, an enquiry is added to your CIR. Such credit enquiries are shown to other lenders/ credit institutions because they may represent new credit that may not yet show on a CIR as a loan/ credit account. Credit enquiries may affect credit scores.

It is good credit management practice to check your CIR at least annually.

Not necessarily. Different organisations take different things into account when deciding whether to provide credit. If a lender turns down your application, get a copy of your Experian Credit Information Report before you make further applications. If you make several applications over a short period of time, lenders may think you are trying to get too much credit, or even that a fraudster is using your details. So find out why you have been refused before applying to another lender.

A good Experian Credit Information Report is always helpful if you are looking for further credit. However, the Experian Credit Information Report is just one of the factors used by the banks, financial institutions and credit grantors to decide whether or not to grant credit to you. The loan approval also depends on many other factors and is based on the discretion of the credit grantor.

Making several applications for credit over a short period of time can influence a lender’s decision. If you are shopping around for the best deal, you should ask for a quotation, rather than making a formal credit application. Asking for a quotation should not affect your chances of getting credit in the future but remember this is not an agreement to offer you credit. If you need to know whether you will get the credit (for example, a loan), you will need to apply for it. The lender should tell you if they are going to search your credit information report and what sort of search they will make. If one lender turns down your application, it is best to find out why you have been turned down before you contact other lenders.

There are a number of things that you can do to improve your credit profile and thereby your chances of getting credit

• Always make your payments on time. If you cannot do this, contact the lender as soon as possible to discuss what options are available to you, it is always better to speak to your lender immediately if you are experiencing any difficulties in maintaining your payments

• If you have paid off a debt but your report doesn’t show this, contact the organisation concerned and ask them to make the necessary changes or contact us and we will contact the relevant organisation for you

• Close any accounts you no longer use

• Check your credit information report regularly. It always makes sense to get a copy of your credit information report before you apply for credit or if you are refused credit as a result of information held by a credit information company

Download Application Form   Download Query Application Form

When you apply for credit, for example a credit card or a loan, you will probably give the lender permission to do a check with Experian or another credit information company. This check helps the lender know that you can afford to repay the money you want to borrow. Experian does not decide who should get credit, but the information we provide may help the lender to decide.

Our 'Credit Crossroads' guides help you look after your credit history at particular times in your life. You can download electronic copies of the guides here. We hope these guides will help you cope with credit during important life events.

Things to do when your loan or credit card application is rejected

Loans and credit cards enable us to access financing to fulfil our wishes and those of our near and dear ones. They also help us tide over difficult times. However, the rejection of a loan or a credit card application leaves us disappointed and confused on the path forward. Here is how you can handle a situation of a credit application rejection.

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Lessons for students on credit management

Students access credit for various reasons including financing college education and meeting other personal expenses. Credit can lighten the financial load on parents by spreading the cost burden over a longer period. Regular repayment of loans will help you to establish a good credit profile, however irregular repayments may make it difficult for you to access credit in the future.

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Managing credit as you get married

It is wedding season and many couples will be looking forward to a fulfilling life of togetherness. Shopping, wedding planning, invitations, decorating homes or in some cases moving to new homes in anticipation of the big day will be on in full swing. Through all this, it is also important to discuss and plan finances. Here are a few words of financial wisdom for couples to avoid stress later.

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Managing Credit and Credit History while Moving Homes

Buying a home is a dream come true for many of us which is accompanied by the operational detail of ensuring updating our records with our lenders and often with expenses associated with furnishing etc. to convert the house into a home. This latter may involve accessing credit. Here is a note we hope will help you better manage your credit commitments and the operational tasks to keep in mind while you enjoy moving into your new home.

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Managing credit in the event of job loss or reduction in income

In the current volatile global economic environment job losses or business eventualities may force a situation of reduced income. Managing existing credit commitments in the context of these situations of reduced income poses a financial challenge and presents another likely credit crossroad that we may need to understand how to handle. Let us see how Jayant our imaginary friend managed his credit history when faced with such a job loss situation.

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Managing credit in the event of separation or divorce

Separation and divorce are those difficult times when you have to take a break from a not so happy relationship or in some cases even end it. It is important that you sort out your finances include any joint loans or credit cards to avoid further agony in the future. Here is what you can do to prevent yourself from getting into uncomfortable financial situations.

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Managing Credit in the event of serious illness or bereavement

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