التوبة -المعني الصحيح

Mary & Jesus in the Holy Quran

There are many questions that com to mind when the name Jesus is mentioned. Some people say he was a prophet, others call him a god, while others say he was a very wise man. But whatever your idea is, one thing remain certain: he was not your ordinary man. So if there is some thing special about him, why all the confusion? Just who was Jesus anyway? His Origin Jesus lived about 2000 years ago in ancient Palestine when the Roman Empire was its zenith. He was not conceived in t usual way, but was implanted in the womb of a young woman named Mary. God simply commanded, and he was. In this sense, he was a word of God and a special sign for humanity. In fact, he was the last in a long line for religious guides sent to the Jews. Mary, The blessed Mary was a righteous woman. Her mother dedicated her to God's service even before she was born. As a child, she lived a life marked by health ad righteousness, which others pointed to in admiration. She was raised by the wise Zechariah, who instilled in her, a beautiful sense of faith in God. When she had become a young woman, Mary sough to purify herself further before her Lord. Knowing that he hustle of life I the towns was distracting, she withdrew from her people to a sanctuary. There she could meditate in seclusion and peace. Suddenly, on a day that seemed no different from the rest, and angel of God visited her, disguised in the likeness of a human. Afraid of so strange a sight, Mary prayed for protection, but the strange being reassured her and declared that he was a messenger from the Lord to announce the glad tiding of a faultless son. Mary astounded, asked how this possible seeing that no man had ever touched her. But the angel replied, Your Lord says, I is easy for Me. But when she felt the little child within her, she fled her sanctuary out of fear of what her family would do or say when they hear the news. Mary, however, was not to face hardship. When in her despair she cried out to God for oblivion. a voice soothed her and she found shade and a cool spring. Under a date palm in the warmth of late summer, she made her dwelling ad there bore the child unlike any other in human history. Shortly thereafter, Mary returned to her community carrying the child who was to be called Messiah, Jesus, and son of Mary. When her people saw her word. They refused to believe when she told of an angel who came and told her she was chosen above all other women to carry his burden. They accused her of infidelity and implied that she had ruined the family name. Mary, being overwhelmed, simply motioned towards the child meekly. The Miracles Now the child was the product of a miracle and consequently, miraculous things began to happen. In defense of his mother and of the truth, the infant Jesus spoke saying, I am a servant of God. He has given me Scripture and ha made me a prophet. He has blessed me wherever I may he and has made prayer and charity my duty as long as I live. This put the detractors to rest. Throughout his youth, Jesus remained dutiful to his mother and developed quickly in intelligence, wisdom, and piety. He dumfounded the learned and was greatly admired by those around him who appreciated his talents. He claimed to be a sign of God and a Messenger to the Israelites: His people had strayed from the spirit of truth and placed their sense of mercy beneath dusty scrolls and rituals. Finally, when he came of age, Jesus began to travel and preach throughout the land of Palestine about ha return to the truth of the old revelations and a refection of all that man had added. In his task he was supported by the spirit of truth, the angel Gabriel. The Gospel, His Message He taught that love and mercy overcome hate and anger and that only a true and sincere faith in the Creator and obedience to His will can bring a person salvation this life as well as in the next. To reinforce his message, which was called Injeel (Good News), God granted him the performance of miracles. He healed the sick, uplifted the distressed and revived the dead. All these things he did with the permission of God, never taking credit for them himself. He led a simple and pious life. Soon he attracted an inner-circle of devoted followers who listened to his teachings with fervor and humility. These disciples, among them Peter, Barnabas, and John helped him carry the message of Divine Love to the people. They helped him in his mission. A Test Of Wills But no righteous man of God is without trail and tribulation. As the message of Jesus began to gain wider acceptance, a small clique of hypocrites and evil men began to plot against him. They were the priests and leaders of the Jews whose position and wealth depended upon their place as the sole interpreters of religion to the masses. They pursued him and his followers and eventually captured him. Though they abused him, he never renounced his faith I the one God. So in their anger they plotted to crucify him on a Roman cross. But Jesus slipped from their grip at the last moment, and all the while they thought they had succeeded. They were sure they had killed him but God answered Jesus prayer and saved him from their schemes. Confusion overtook the mob and they might have killed the man who betrayed Jesus instead. In any case, Jesus escaped from their grasp. Then God removed Jesus from this world into another dimension, to a place with Him, not to return until a later time. With their teacher gone, the devoted followers of Jesus tried to maintain the purity and simplicity of his teachings. But they were soon besieged and overtaken by a flood of Roman and Greek influences, which eventually so buried and distorted the message of Jesus that only a little of its truth now remains. Strange doctrines of Jesus being a man-god, of God dying, of different parts came into vogue and were accepted by many of those who took the name Christians centuries after Jesus. Conclusion The only records that have come down to us concerning Jesus are some sketchy biographical material, poorly researched and complied, which can in no way be representative of the full and accurate Message of Jesus, the Son of Mary. The time of the final and incorruptible message was not yet at hand. It would be left to the last prophet of God, Muhammad (peace be upon him), to clarify the truth from mans additions and deletions. Jesus taught the same eternal message that was taught by all the Messengers of God, from Adam, on through Noah, Abraham, Moses and ending with the mission of Gods last Guidepost to humanity, Muhammad (peace be on them all), whose coming was foretold by Jesus himself. Every nation and every people, from the Aztecs to the Greeks, have received a Prophet or a Messenger from God. Jesus was the last of a series for Messengers sent to the Israelites, but they consistently strayed from the path of surrender to God. Each of the many Messengers spoke a different language and followed varied customs. Yet the core faith taught by each was the same: surrender your imperfect and fickle will to the perfect will of the Power that is greater than you. You will then find the peace and freedom that only the Creator of all things can provide. Then you must do what is right and good to your fellow creatures. This way of life is called Islam (surrender to God and find peace). For more information, insight, and /or clarification, you may contact: editor@frmnews.net

Click Here! Click Here!

 http://kaheel7.com/eng/index.php/health-a-medicine/460-the-secrets-of-creation

The question of the particular field law 

                                                Is secondary in the preceding general consideration . at the present time,the main question is whether afield theory of the kind here contemplated can lead to the goal at all . by this is meant a theory which describes exhaustively physical reality, including - four dimensional space, by field . 

The present generation of the physicists is inclined to to answer this question in the negative in conformity with the present form of the quantum theory, it believes that the state of a system cannot be specified directly, but only in and in direct way by a statement of the statistic results of the measurement attainable .

radiation of light: radiation in the energy spectrum is supposed to behave in it's emission and in it's interaction 

with matter as if it had, like matter, a corpuscular - structure. the unit, or quantum, of this energy which can be emitted in the case of wave lengths from 400 to 800mu is called photon. it is of interest to note that physicists are returning light train the time and the space and the point of observation and the relativity theory the acceleration if we assume there are powers which effects the matter the factors are the gravitation, the surface, pushing power if we assume the surface is ultimately smooth there are regular and irregular movement ( the acceleration ).

The fact of the movement of the body depends on the roughness  of the surface and the gravitational effect

the theory of the nature after light: the corpuscular and the wave theory the corpuscular theory does not 

explain the phenomena of the refraction and and the speed in empty space the wave theory correct some

of the belief the corpuscular theory does not explain why the speed of light is faster in the empty space than in water for example the black matter and the low and the high frequency rays the black matter found in cosmos space which there is no thing can escape considered as a vacuum power which absorb the light

there are gamma, cosmetic ray and radio waves the ultra violet ray can not be seen  or invisible the quantum theory which a unit or a measured unit  the smallest amount of energy or amount of light emitted from the

source and the equation of Planck according to the frequency and the constant the theory of the telepathy

or to predict or to read the thought if the length of the wave exceeds the critical value will not emit a photon 

the shorter length the more energy.

How to find new metals the reaction of the nuclear power of the sun the hydrogen bomb how to create new metals how the planet or the star composes it self if we try to imitate this nuclear reaction to produce new metals the highest temperature or the lowest one can be achieved according to the possibilities.

The laser and the optic fiber the eigenvalue or function the spherical and the rectangular coordination 

the angular spheroidal function of the first kind similar to the associated Legendre functions the radial spheroidal function of the first kind similar to the Bessel function of the half entire order the radial spheroidal function of the fourth kind similar to the hankel function of the second kind of the half entire order this is method enables to determine the exact value of the electromagnetic field in the spacesurrounding the antenna and the exact value of the electric current distribution in the antennathe atom of niels Bohr: in 1911, with the battle between wave and particle locked in hopeless stalemate,a young man , niels Bohr, crossed the gray seas from his native Denmark to continue his studies in England .

After a year at Cambridge he proceeded to Manchester, where a man called Rutherford was a professor of physics. scientifically, Bohr was unknown. by professional standards his mathematical technique would not

be called outstanding . but to him had been given the precious gifts of imagination and daring, and an instinct

for physics having little need for intricate mathematics. only to one such as he would the quantum reveal its

next treasure, and today brilliant scientific virtuosity revere this quiet, unassuming man as the spiritual leader in atomic research . in 1922, the year after Einstein , he received the Nobel prize for physics. two years before that, Bohr had become head of newly created institute for theoretical physics in Copenhagen, which under the inspiration of his leadership was to grow into a world center of atomic research, attracting outstanding scientists of all nations, and exerting an incalculable influence on the headlong course of physical science.  

      

Secret for your credit

Introduction

   We would like to take this opportunity to congratulate you on your decision to read "Secrets To Good Credit". Although this report is relatively short, it contains vital information that can vastly improve your credit rating. You'll soon discover that your decision to purchase this report was probably one of the best decisions that you ever made.. You'd have to look very hard to find a better value for your money.

   Like many of us, you may have experienced some very unfavorable credit situations in the past, You may still be experiencing may or occasional credit rejections, The situation may have reached to the point where you're receiving daily calls from collection agencies, and or receiving threatening letters in the mail on a regular basis.  These harassing phone calls can be very embarrassing when you receive them at your self esteem.

   The fact that you took the time and spend the money to order this report tells us that you're ready to take matters into your own hand. You want to improve the quality of life for you and your family. Don't feel guilty for what may have happened in the past. Think of today as the beginning of your new life. The past is behind you. Let's concentrate on the future and the good things that are ahead for you. With the knowledge that you'll be able to face your credit future without any fear... because knowledge is power! You may be thinking to your self "my credit situation is unique".No it's not! Thousands of people in the U.S.A. are experiencing are have experienced almost the exact situation as yours, You may not know them, but they exist, They could be your next door neighbor, you kids school teacher, your hair dresser, your barber, your doctor, your insurance agent, or many other people that you encounter on a regular basis, All these people have literally "felt your pain" or are "feeling your pain",

   Don't feel bad, You're not alone, Always try to be optimistic, Try to think of the glass as being half full instead of half empty. From our recent research we learnt that more than one million people filed bankruptcy in the past twelve months, That's an average of about three thousand people a day... or one hundred and twenty people per hour, As you can see you're not alone when it comes to credit or financial problems. Almost every category of people are affected, It affects young people, old people, divorcees, married people, single mothers, widows, widowers, and the list goes on. This is just the reality of life today. No one is immune from credit or financial problems, Even millionaires sometimes have to file bankruptcy. There have been some significant changes in the bankruptcy laws recently. As a result of the changes more people will be forced to file chapter 13 bankruptcy, That may not necessarily be the best option for them. The debt counseling industry will probably see a lot of increased business from these new changes in the law. Bands have may built in systems to protect them from consumer's inability to make their payments on time. They make a lot of money from late charges. over the limit charges. and other charges that they add on to your monthly revolving account balances.

   If there's one good thing about filing bankruptcy, it's the fact that it gives a person a second chance. You can start over relatively fresh, free from may of your past financial obligations. Our intention in writing this report, is to open your eyes to what's available in terms of credit and how to use credit to your advantage.

Understanding how our credit system works...

   The credit system can be a very wonderful thing if you understand it and know how to use it to get the results that you desire. If you don't take time to learn the system. you'll always be at a disadvantage when it comes to obtaining and maintaining good credit. You must learn the system thoroughly and apply the concepts to your advantge. If you have negative credit informaion in your credit file, you must work on having it removed or turned into positive informaion. If the negative information is a result of erroneous reporting, you must contact the business or businesses responsible and have them correct the situaion. Many times you may have to do the corrections youself. This you do by obtaining the necessary documentaions from whoever is involved and submitting them to the three major credit bureaus yourself.

   If you have too much credit card debt and you can't afford the monthly payments, you can contact your creditors directly or use the services of a credit conseling company. What you or them will do is negotiate with your creditors to have your total mothly payments reduced to the level where you can manage it. Your creditors would rather ahve you pay them a portion of your total debt than have you file bankruptcy and receive just a few cents per dollar owed, or in some cases recive nothing at all. For this reason they are in most cases willing to negotiate a settlement with you or your credit conseling company. If you can come up with a lump some of money, you sometimes can get away with seeling for less than fort forty percent of your total debt. In may cases the credit card companies will contact you and make an offer for reduced payment after they realize that you're really having difficuly making you minimum monthly payements.

Restoring your credit

   Let's say you have contacted you creditors yourself or through a credit conseling company, and have also contacted the three major credit bureaus and have removed all or most of the negative credit informaion from you file. You've also negotiated reduced payments, or ahve settled with your credit card companies. Now you need to start fresh and prove all over again that you're credit worthy. Your credit file needs to show at all times that you have some active credit, other wise you'll be like someone with little or no credit history.  Believe it or not , there are people around who when you try to pull up their credit file they can't be found... or if it's found it reflects no payment history, event though some of them may have bought things on credit.

   It's very important to have your credit reported to the three main credit bureaus. If you're buying any major items, or taking out a loan, or obtaining a credit card, make sure you do business with a compny that report your payment history to the three major credit bureaus. That way you can establish or build up your credit and have it recorded. Thus putting you in the credit system, where you'll be able to reap the benefits of the system. You may need to make a major purchase, like buying a car or a bouse at some future date, and you'll find that having a good credit history is a big plus. A good credit history tells your future creditors that you can be trusted, and you can handle credit reponsible. They'll be inclined to give you the benefit of any doubts they may have had about your ability to pay.

Here are some of the basic requirements for applying for and obtaining credit

   If you do not know how the credit system works, you may take a lot of things for granted. You may also ignore may things that could help you in obtaing credit. Here are some of the absic requirements when applying for credit.

   One of the most imprtant requirements is to ahve a home ddress. It has to bea physical street address. Not a Mail Boxes Etc address, or a P.O. Box address. It's to your advantage if you're living at your address tow years or more. If not you have to give your addresses for the past two years. Living at a place two years or more shows some type of stability. If you're moving and does nto have a permanent address at the time you apply for credit, it's not wise to give a hotel or motel as you address. It's better to use one of your relative's address. Again don't use P.O. Box or Mail Boxes Etc. addresses. They will show up in the system as "not a real address". Real verifiable addresses will score points on your credit report. The second thing that will score points for you is a land line telephone in your name connected to your street address. The third and probably most important credit requiremnet is employment. Having a steady job for two years of more scores big points. It shows stability . If you ssalary can cover your obligaitons as per credit requirements it's a big plus. Unfortunatelyif you're self-employed, and is a sole proprietor you're at a disadvatage. Creditors like to see paychecks and pay stubs. If you're self-employed it is to your advatage to incorporate. By doing that you can draw a salary from the corporation and use the company as you employer. Then your emplyemnt will be a positive instead of a negative on your credit file.

How high is you credit limit?

   The total dollar amount of all of your unsecured revolving accounts is  called Your high credit limit. That includes all of your major credit cards, plus your department store cards, your gasoline cards, and all other revolving cards or revolving accounts. Let's say all of your revolving credit card total $6,000.00 ...then you "high credit" limit is $6,000.00. That means that a creditor can look at your credit file and see how you handled $6,000.00 worth of revolving credit. He can check to see how you made your monthly payments, whether they were all made on time etc. He can also check to see how much of the $6,000.00 you already spent and how much is available. All things being equal if John has a high credit limit of $6,000.00 and Jane has a high credit limit of $10,000.00, Jane will probably at an s=advantage if they both applied for say $15,000.00 in additional credit. Jane already proved that she can handle $10,000.00 worth of credit, while John can only prove that he handled $6,000.00 worth.

What's your debt to credit ratio?

   This is a very important figure when it comes to being approved for any kind of credit. This is your "credit track record" . It tells your potential creditors how you've used the credit that you've been given is the past. Your debt to credit ratio is simple the total amount  at debt you have incurred relative to the dollar amount of credit that you still have available to you. For example if you had $20,000.00 in "high credit" and you have debts total $5,000.00 , your debt to credit ratio would be 25 percent. That would be viewed by creditors as  a good credit ratio. You always want to keep your debt to credit ratio between 10 and 30 percent. When your percentage points start to exceed 30 percent your credit score drops. You want to maintain a credit balance , but at the same time you want to keep it below 30 percent will affect your credit score in a negative manner. Your creditors will think that your're not handling your spending in a responsible manner.

How to use credit cards to establish and build credit?

   If you're new to credit or are starting over after bankruptcy, credit cards are the easiest way to establish and to build up your credit. You can start by applying for a store credit card. They're much easier to get than the major credit cards like Master card and Visa.Just make sure that the store that you're dealing with report payment your payment history to the three major credit bureaus, Experiential, Equifax, and Transunion. Most stores do. After you apply and receive your card, you goal is to use the  card in a responsible way. Make sure your debt to credit ratio is between 10 and 30 percent of your "high credit limit". That means that if you have a credit with a $2,000.00 credit limit, your balance owed at all times should not exceed $600.00 which is 30 percent of your "high credit" limit ($2,000.00). If you keep a balance of zero, that's not going to build up your credit. That's like having no credit history. Keep your balance owed between 10 and 30 percent of your credit limit at all times. Make your payments each month and make them on time.

   After about six months other credit card companies and loan companies will see that yo manage your credit responsibly and make your payments on time. Pretty soon you'll start getting offers from these creditors., in the form of credit cards and loans. When you accept any of these offers, make sure you know your "high credit" limit on each card or revolving account. Keep a balance of between 10 and 30 percent on each account and make your payments on time. Follow this scenario for another six months and you'll build up your credit score rapidly. 

   Let's say that in addition to your first credit card with a $2,000.00  limit, you received two additional cards with $1,000.00 and $3,000.00 credit limits, respectively. Now you have three credit cards with "high credit limits" totaling $6,000.00. In order to maintain a high credit score your total balance on these three credit cards must be between 10 and 30 percent of $6000.00. that is , you total balance for all three cards should be between $600.00 and $1,800.00. If you can keep the 10 to 30 percent debt to credit ratio on each individual card it's even better. By repeating this scenario over and over you'll build up your credit rating to the point where you're very satisfied.

Double your credit limit with 2 phone calls

   Let's say you've had your three credit cards for six full months. You've made all your payments on time. You've paid at least the minimum payment each month... and you've maintained a debt to credit ratio of between 10 and 30 percent. If your creditors check your credit very responsibly in the past six months. In  their mind you're a creditworthy individual.

   Now you're in a position where you ask for credit instead of waiting for it to be  offered to you. You can now pick up the phone call your credit card companies and ask them to increase your credit limit on each card. After checking you credit file, they'll gladly grant your request. Follow the same guidelines, and at the end of another six months, just pick up the phone and call your credit card companies again. Ask them to increase your credit limit again. With your excellent record they'll gladly oblige you. With these two calls and these two increases, most likely your credit limit will be double what it used to be. Keep doing this and in a couple of years you'll have all the credit that you desire. 

Borrow up to $8,000.00 and more in as little as 48 hours...and pay no interest

   This is a secret method that the wealthy people has known about for a long time. They use it to borrow big money for short and long term investments. In today's credit conscious society the average consumer is now getting knowledge of this method. Anyone can benefit...It's not for the rich folks alone. If you need the money just learn the secret and practice the method.

   First step...using the 30 percent debt to credit ratio, build your credit score to above 700. Always carry a balance of less than 30 percent, but above 10 percent of the 'high credit limit" on your revolving credit card accounts. Never pay off the total balance on any of your card. You need to maintain some kind of a balance or the banks don't make any interest. If they can't make any interest on your account, then you're not valuable to them.

   Now let's use a hypothetical her. Say you have established and built up your credit score to say 720. Let's say you have four credit cards, for $500.00, $500.00.$1.000.00, and 3,000.00 respectively. You've paid all four cards on time for 24 months. That's why you've built up a high credit score. Your credit is excellent, but you want to take your credit building to a higher level. This is how you do it. Pay off the total balance on your two $500.00 cards and also on your $1,000.00 card, So now you have three credit card with zero balances.

   What you just did will significantly change your credit report. Within the next 30 days you'll start receiving many offers from other credit card companies. They'll send you balance transfer checks that they'll want you to put on the 3 lower limit credit cards that you just paid off. Most of the times these offers are pre-approved, because they already checked your credit and see that you gave a high credit score. Many off these offers are 100 percent interest free for up to 9 months.

   You can float these balance transfers from one credit card company to another. This allows you to receive loans at zero percent for as long as you want...one year eighteen months...or more. By receiving and floating these checks you can easily acquire up to $8,000.00 and more in additional credit... interest free.It's true! you can save up to $100,000.00 and more in interest without refinancing your current mortgage. This is done by using the Bi-weekly mortgage payment system. With this system you make your mortgage payments every two weeks, instead of every month ...and it's usually done by direct deduction from your checking account.By paying your mortgage every two weeks instead of every month, you end up making two or more extra mortgage payments each year. You also payoff your mortgage balance much quicker by paying bi-weekly.

   Her's how you save a lot of interest payment over the term of your mortgage by paying every two weeks instead of every month. Let's say your mortgage payment is $2,000.00 per month.If you paid your mortgage every month you'd make twelve payments for the year totaling $24,000.00. If you made your payments every two weeks instead, you'd make an extra two payments by the end of the year. An extra two payments would amount to $4,000.00. If you had a thirty year mortgage and pay every two weeks, you reduce your payment time by almost one third because of the extra $4,000.00 that you'd be paying each year. That's how you can save up to $100,000.00 and more in interest payments without refinancing.

Protect yourself from medical bill collectors    

   Collection Agencies are very aggressive and unscrupulous. Medical bill collectors are no different.However, when it comes to medical bill collectors, there's a little known law that you can use to stop them in their tracks. This is called "The Health Insurance Portability And Accountability Act Of 1996 (HIPPA). What this law does is ensure that your medical information is kept private.

It only allows for a limited release of you medical information. You have to give anyone affiliated with your private medical information permission before they can release it to a third party. The only exceptions are where they're bound by law to do so. This means that your doctor, pharmacist or a any medical provider need your permission before they and give anyone access to your private medical information.

   In most bill collecting cases you most likely did not give them your permission to give theses bill collectors access to your private medical information. Therefore they're violating your privacy rights. Upon your request, they must retire your medical account and cease and desist from using your medical information for collection purposes. If the parties involved do not obey your request, you have the right to complain to the

U.S. Department Of Health And Human Services.

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The following are some important agencies, telephone numbers, and different forms that we think will be of great help to you when contacting or corresponding with different credit and regulatory Agencies.

The three main Credit Bureaus that issue credit reports in the U.S.A. are: 

EQUIFAX                                 EXPERIAN                                  TRANSUNION

P.O. Box 740241                       P.O. Box 2104                                P.O. Box 2000

Atlanta, GA 30374                     Allen, TX 75013                              Chester, PA 19022

Tel. 800-685-1111                     Tel. 888-397-3742                          800-888-4213

www.equifax.com                       www.experian.com                           www.transunion.com

Every consumer is entitled to a free annual credit report from each of the above 3 Credit Bureaus. To contact the central source and obtain all 3 of these credit reports go to www.Annualcreditreport.com

Or call 877-322-8228. When you make contact, you can apply on line or ask them to mail you a copy of the "Free Credit Report Request Form". If you dispute any item on your credit file contact the three credit bureaus individually, and put your dispute in writing.

INNOVIS DATA SOLUTIONS:  This company is probably the fourth largest credit reporting agency in the U.S.. They supply banks and credit card companies with your Credit information, for a price. If your credit info is not accurate these banks and credit card companies may not contact you with their pre-approve credit cards or other forms of pre-approved credit. To obtain your INNOVIS REPORT call 800-540-2505.

IDENTITY THEFT: According to reliable government sources identity theft affects millions of Americans each year. As much as ten million people fall victims to identity theft each year. You can be suspicious are be an alert for identity theft if you encounter any of the following situations. 1-unknown credit transactions on your credit report.2-many inquiries on your credit report of which you have no knowledge. 3- Somebody stole you wallet or pocket book. 4- You lost or was robbed of mail containing your vital credit information, such as drivers license number, social security number, credit card numbers etc. 5- Someone that have access to your credit information using your information without your permission.

If you suspect that you're a victim of identity theft, you can call the three major credit bureaus and put a fraud alert on your credit file. Fraud Alert numbers are: Equofax- 888-766-0008  You can keep the fraud alert on your file until you have the situation under control.

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Other information bureaus that can affect your credit

There are other information reporting agencies out there that can make your life difficult if you're not aware of them. They can cause you to be denied health or life insurance. sky-rocket your auto insurance payments, ruin your job opportunities, or deny you the Opportunity to live in certain apartment buildings.

These other database companies supply the three big credit bureaus with additional data, that can affect your credti rating. They supply information such as YOUR AUTO INSURANCE SCORE, YOUR HOMEOWNERS INSURANCE SCORE as well as your MEDICAL HISTORY. If they have negative or inaccurate information in their file, it can mean a lot of headaches or disappointments for you.

CHOICE TRUST

This is a credit reporting agency that keeps information and records that affects your homeowners insurance score, your car insurance score, your rental history report, and also your employment history. You can get a copy of your employment and rental/tenant history by calling 877-448-5732.If you call 866-312-876. you can get a free copy of your personal property or auto history report. If you want your homeowners or auto insurance score go to the website www.shicetrust.com 

Medical information bureau...Information in your medical report will affect your life, health or disability insurance rates. If you encounter any problems when applying for insurance you can contact hem during normal business hours...at 866-692-6901
Abdalrahman