Article: . There are five areas FICO considers when calculating your credit score, and each is weighted differently. The importance of each areas is approximately: Payment History 35%. The most important factor in your credit score is whether or not you have a good track record of paying your debts on time. Amounts Owed 30%. This examines how much you currently owe. Owing money isn't automatically a bad thing; FICO will examine how much credit you have available and how much of it you are currently using. Length of Credit History 15%. A young person with no credit will likely have a low score here, but this can be balanced out by having high scores in other areas. Generally, a longer credit history will give you a higher score in this area. New Credit 10%. If you have opened several new accounts over a short period of time, especially if you have a short credit history, this can lower your score. Type of Credit Used 10%. This area examines your retail, installment loans (such as auto payments), mortgages, and credit cards. Your score will be higher if you show you have a good, balanced mix of credit. Your credit has a direct impact on whether or not you are eligible for a loan, as well the amount of interest charged on the loan. Lenders will examine your credit score to determine if you are a good risk and likely to actually repay the loan. To get a loan and good terms, you'll want a good credit score. If you have a bad credit score, see what you can do to improve your credit before taking out a loan. There are three credit bureaus lenders may use to check your credit score TransUnion, Equifax and Experian and they will provide you with a free copy of your credit report once a year. Your credit report is used to calculate your credit score, so it is essential that you check your report for any errors. Note that credit bureaus may use different versions of the FICO score, so you should check all three reports yearly. Order your credit report from annualcreditreport.com. Keep in mind you will be provided with a free copy of your credit reports, not credit scores. You will almost always have to pay a small fee to find out your actual score. . If you do find a mistake on your credit report perhaps you paid off a loan but it is showing up on your report as unpaid you will need to make sure these errors are corrected. Start by reaching out to the vendor who reported the incorrect information and ask them to correct the error. Contact the credit bureau as well, providing copies of any evidence proving they have incorrect information. The bureaus are required to investigate your claim within 30 days. If possible, communicate with everyone via mail, keeping copies of any correspondence as proof.
Question: What is a summary of what this article is about?
Learn how your FICO credit score is calculated Know how your credit score can impact loans. Order your credit report and check for errors. Dispute any errors on your credit report
Article: Bacteria on your skin can turn old sweat into smelly armpits. Shower daily to wash away the sweat before this happens. Try ending your shower with a minute or 2 of cool or cold water. This will lower your surface temperature, making you less likely to sweat right away. Pat your armpits dry with a soft towel. Vigorous scrubbing can cause your skin to get irritated and stressed, leading to more sweating. Ordinary deodorant only hides smell. To stop soaking your clothes, you'll need a product with antiperspirant. Apply this just before bed and right after you wake up, or after drying off from your shower. Your skin is usually cool and dry during these times, so the antiperspirant can block the sweat more effectively. When you buy deodorant, check the label to make sure it says both "antiperspirant" and "deodorant." Most antiperspirants include aluminum compounds that can cause yellow armpit stains. Launder stained clothes soon, before the stain sets. A lightweight cotton T-shirt, for example, will wick moisture away from your skin. Having your shirt absorb moisture may sound like a bad thing, but this will keep your skin cool. A heavy or synthetic shirt will keep you hot, causing your body to sweat more. If you still sweat through these clothes, wear a light undershirt as well. These cotton pads stick to the underside of your shirt and absorb sweat so less of it soaks into your clothing. Look for these at drugstores, sold as "underarm shields," "armpit guards," and similar names. Baby powder (talcum powder) absorbs moisture, so it can prevent soaked clothing. This is generally not as effective as antiperspirant deodorant, but won't stain your clothes. Talcum powder has been tentatively linked to cancer. Avoid inhaling it or applying it to the female groin. For a safer alternative to talcum powder, try cornstarch-based baby powder. Whenever you feel hot or thirsty, drink a glass of cool water. This will bring your internal temperature down, so your body won't have to lower it more by sweating. Many people suffer from hyperhidrosis, or excessive sweating, for genetic or hormonal reasons. Whatever the cause, certain foods and substances can worsen the problem. Consider the following changes if they are part of your daily habits: Quit smoking or other nicotine sources. Reduce your alcohol intake. Stop consuming caffeine. Avoid eating spicy foods, since these can cause excessive sweating. Watch your garlic and onion intake as well, since these add odor to your sweat. Ask a doctor for alternatives if you think your medication causes sweating. Blood pressure and diabetes medication can do this, but don't quit them without medical advice, as doing so could have severe consequences for your health. Sage tea is a traditional treatment for excessive sweating. This has not been tested one way or the other in scientific studies. If you try it, drink it daily in the evening, so the heat of the tea doesn't cause sweating during the day. Consult a doctor before taking large doses of sage supplements, as they can have serious side effects. Sage in dietary amounts is mostly harmless, but may harm people with diabetes, epilepsy, bleeding disorders, or an allergy to the plant. There are many types of sage. Typically, this treatment uses Salvia officinalis or Salvia lavendulaefolia.
Question: What is a summary of what this article is about?
Shower or bathe regularly to reduce scent. Wear antiperspirant deodorant. Wear loose, natural clothing. Wear sweat pads. Sprinkle baby powder on your underarms. Drink enough water. Reduce sweat triggers. Try drinking sage tea.
Article: This button is in the center and looks like the Xbox logo. This will open the Guide menu. This will open the parental controls section. You'll be prompted to enter the current passcode. Since you don't know the passcode to access the Family menu, enter the wrong one so that you are prompted to reset the passcode. This will display the security question to reset the passcode. If you were the one that set up the passcode, answer your security question and you'll be able to create a new passcode. If you don't remember the answer to the passcode or a previous owner enabled parental controls, read on. If the previous owner had a passcode enabled and didn't remove it before selling it, or you don't remember the answer to your security question, you'll need to call Xbox Support to get a master reset passcode. You can contact support at support.xbox.com, via online chat or telephone. You'll be asked some questions to verify that you are allowed to disable parental controls (Xbox Support won't disable parental controls if it was your parents that enabled them). If Xbox Support approves your request to reset the parental controls, you'll be given a pass code you can use to bypass the current code. You can then disable parental controls or create a new pass code.
Question: What is a summary of what this article is about?
Press the Guide button on your Xbox controller. Open the Settings menu and select "Family." Select "Content Controls." Enter the wrong passcode to force a reset. Select "Reset Pass Code" when prompted. Answer the question if you can. Contact Xbox Support if you can't answer the security question. Enter the passcode provided by Xbox Support.