If your child is sick, call us and one of our friendly nurses will help you determine if your child's illness can be managed at home or if an office visit is necessary. We reserve a limited number of appointments each day for children who are sick.
If your child becomes ill or injured when our office is closed, call us! One of our pediatricians is on call and available to help you, 24 hours a day, days a year.
Need driving directions? If this sounds too extreme for you, you may still want to consulting a credit counselor not a credit-repair outfit to devise a game plan for improving your credit.
Think about a credit-builder loan. Many credit unions offer these small loans, which are designed to help their members build up or rebuild their credit. There are several different types of credit-builder loan , but in one of the more popular ones, the credit union issues you a loan, but instead of giving you cash, they place it in an interest-bearing savings account. Once you've paid off the loan, you get access to the money plus the accumulated interest.
It's partly a savings tool, but the real benefit comes as the credit union reports your payments to the national credit bureaus. As long as you make regular on-time payments, the loan can lead to credit-score improvements. Before obtaining a credit-builder loan, make sure the credit union reports payments to all three national credit bureaus.
Apply for a secured credit card. A secured credit card typically has a small borrowing limit—often just a few hundred dollars— and you put down a deposit in the full amount of that limit. By making timely payments and avoiding "maxing out" the card, use of a secure credit card can promote improvements in your credit-score.
Try to establish a solid credit mix. Boosting your score into the fair range could help you gain access to more credit options, lower interest rates, and reduced fees and terms. You can get rolling by getting your free credit report from Experian and checking your credit score to find out specific issues that are keeping your score from increasing.
Read more about score ranges and what a good credit score is. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice.
You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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