terça-feira, 24 de setembro de 2019


How to Make Plum Cake

Posted: 24 Sep 2019 01:00 AM PDT

If you're looking for a light dessert or tea-time snack, look no further than the plum cake. Plum cakes have a light, fluffy texture and an irresistibly buttery flavor. To make your own cake, pit and slice a few ripe plums. Next, mix a decadently fluffy cake batter. Pour the batter in a pan, arrange the plum slices in an attractive pattern, and bake the cake for about forty minutes.

[Edit]Ingredients

For Method 1:

  • 3 eggs
  • 1/2 cup butter (114 grams, or one stick), room temperature
  • 1/2 cup (100 grams) white sugar
  • 1 teaspoon lemon zest
  • 1 cup (125 grams) all-purpose flour
  • 1/2 teaspoon baking powder
  • 1/2 pound (227 grams) ripe plums

For Method 2:

  • 2 tbsp red currant or seedless raspberry jam
  • 3 tbsp brandy
  • 1 lb Italian prune plums, halved and pitted
  • 3/4 cups all-purpose flour
  • 3/4 cups sugar
  • 1/3 cups slivered almonds
  • 1/2 tsp baking powder
  • 1/4 table salt
  • 6 tbsp unsalted butter, soft but still cool
  • 1 large egg, room temperature
  • 1 large egg yolk, room temperature
  • 1 tsp vanilla extract
  • 1/4 tsp almond extract
  • Powdered sugar to top
  • Serves 8

[Edit]Steps

[Edit]Pitting and Slicing the Plums

  1. Purchase some ripe plums. You will need ½ pound (about 227 grams) of ripe plums. Once pitted and sliced, you will have about 1 ¼ cups (313 milliliters) of sliced plums. Signs of a ripe plum include:
    Make Plum Cake Step 1 Version 2.jpg
    • A deep, even purple color
    • Sweet, fruity-smelling skin
    • Gives slightly when squeezed
    • Smooth, wrinkle-free skin[1]
  2. Slice the plums in half. First, run a knife along the seam of the fruit until you feel the pit. Continue slicing along the pit until you have cut all around the fruit. Next, firmly twist the two halves in opposite directions to separate them from one another.
    Make Plum Cake Step 2 Version 2.jpg
    • Set the plum on a cutting board when slicing it in half. If you hold it in your hand, you may cut yourself.
  3. Remove the pit of the plum. When you separate the two halves, one half will still have a pit inside. If the plum is ripe enough, use your fingers to pull the pit away from the plum flesh. If it's firmly attached, scoop the pit out with a spoon.
    Make Plum Cake Step 3 Version 2.jpg
    • Discard any plum pits that you remove from your fruit.
  4. Slice the plums. Set each plum half flesh-down on your cutting board. Next, use a sharp knife to cut each half into small, even slices. Each half will yield about six slices.[2]
    Make Plum Cake Step 4 Version 2.jpg
    • If you prefer larger pieces of plums, you don't need to slice the halves. You will add them to the cake flesh-down when the batter is ready.
    • Remember to practice knife safety when cutting fruit.

[Edit]Making the Cake Batter

  1. Gather your baking ingredients. You will need 3 eggs, 1/2 cup (114 grams) of butter at room temperature, 1 teaspoon of lemon zest, 1 cup (125 grams) all-purpose flour, and 1/2 teaspoon of baking powder.[3]
    Make Plum Cake Step 5 Version 2.jpg
    • To get room-temperature butter, leave a stick of butter on your counter for a few hours.
  2. Separate the egg whites from the egg yolks. First, set out two small cups or ramekins. Next, crack the egg over one of the ramekins. Allow the whites of the egg to fall into the ramekin. Gently pass the egg yolk between the two shell halves until all of the egg whites have separated. Place the egg yolk in the empty ramekin and pick out any pieces of shell that you see.[4]
    Make Plum Cake Step 6 Version 2.jpg
    • If you don't want to separate the eggs by hand, purchase an egg separator online or at your local gourmet grocery store.
    • It's better to have a little bit of egg white in the yolk than to have a little bit of yolk in the egg white.
  3. Beat the egg whites. Use a hand mixer or a whisk to beat the egg whites until they form stiff peaks. Start beating the eggs on a slow setting until they become foamy. Raise the speed slowly every thirty seconds or so until the egg whites are whipped.[5] To avoid over beating the eggs, keep a close eye on their progress.
    Make Plum Cake Step 7.jpg
    • Stiff peaks will have a glossy appearance and stand up sharply on their own.
    • Use a metal or glass bowl to beat the eggs. Plastic bowls can affect the whipping process.
    • If you overbeat the eggs, they will start to look curdled. Throw them away and try again.
  4. Cream the butter with the sugar. Add the soft butter to a large mixing bowl. Use an electric mixer or a whisk to turn the butter into a creamy paste. Next, add in the sugar. Continue mixing the sugar and butter mixture until it resembles light fluffy sand.[6]
    Make Plum Cake Step 8.jpg
    • Make sure to use a very large mixing bowl, as you will be adding other ingredients to the butter mixture.
  5. Add the egg yolks and lemon zest to the butter mixture. Use an electric mixer or a whisk to incorporate the egg yolks and lemon zest into the butter mixture. When you first start mixing, the egg yolks won't mix well and the batter will look strange. However, the egg yolks will eventually become incorporated and the batter will look smooth and creamy.
    Make Plum Cake Step 9.jpg
    • Once the egg yolks are incorporated, consider adding fragrant extracts to enhance the flavor. For example, add 1 teaspoon (5 grams) of vanilla extract and 1/4 teaspoon (1 gram) of almond extract.[7]
    • To further enhance the flavor, consider adding the zest of other citrus fruits as well. For example, add an extra teaspoon (5 grams) of orange zest.
  6. Sift the baking powder and flour into a bowl. Sifting will aerate the flour and remove any lumps in the baking powder.[8] First, hold a sifter over a large bowl. Pour in the flour and move the sifter from side to side. Once all of the flour has fallen into the bowl, pour the baking powder into the sifter and repeat the process.
    Make Plum Cake Step 10.jpg
    • If you want a slightly spiced plum cake, add a teaspoon of cinnamon to the flour mixture.[9]
    • After sifting, use a whisk to mix the baking soda and the flour together.
  7. Add the flour mixture to the butter mixture. Add about half of the flour mixture to the butter mixture and blend it together. Once the flour is completely absorbed, add the rest of the flour mixture. Continue mixing until all of the flour has been incorporated into the batter.
    Make Plum Cake Step 11.jpg
  8. Fold in the egg whites. Add about a quarter of the whipped egg whites into the mixture. Use a spatula to fold the egg whites into the mixture. To do so, scoop batter from underneath the egg whites and gently drape them towards the center of the bowl. Turn the bowl slightly and repeat the process until the egg whites disappear.
    Make Plum Cake Step 12.jpg
    • Continue folding in batches egg whites until all of the egg whites are incorporated. [10]
    • Resist the urge to stir the mixture. If you do, the cake will flatten in the oven.

[Edit]Baking the Cake

  1. Preheat your oven. Set your oven to 375 degrees Fahrenheit, or 190 degrees Celsius. Many modern ovens will alert you when they're done preheating. If yours doesn't have this feature, preheat the oven for at least ten minutes to bring it to temperature.
    Make Plum Cake Step 13.jpg
  2. Grease and flour a cake pan. You can use two circular 8-inch (21cm x 5cm) cake pans, a nine-inch (23cm x 8cm) Bundt pan, or two 8-inch (23cm x 13cm x 6cm) loaf pans.[11] Rub the inside of the pan and dust it with flour to create a non-stick surface. Alternatively, spray cooking spray on the inside of the pan.
    Make Plum Cake Step 14.jpg
    • Discard any extra flour leftover from greasing and flouring the pan.
  3. Pour in the batter. Gently pour the cake batter into the cake pans. Use a spatula to scrape the sides of the mixing bowl clean. If you're using two cake pans, fill them as evenly as you can. To do so, add a large dollop of cake batter to each pan until all of it has been used.
    Make Plum Cake Step 15.jpg
  4. Arrange the sliced plums. If you want to create a beautiful pattern, carefully arrange the sliced plums in a spiral formation. If you want to create a rustic, haphazard look, drop the plum slices into the batter in a random pattern.
    Make Plum Cake Step 16.jpg
    • If you are using plum halves instead of slices, set the plum halves in the batter flesh-down and press gently.
    • Don't press the plums too far into the batter. The batter will rise around the plums in the oven.
  5. Bake the cake for 40-45 minutes. When finished, the cake will have a golden-brown crust. To test whether or not your cake is done, insert a toothpick into the center of the cake. If the toothpick comes out clean, the cake is done baking. If it's covered in batter, let the cake continue baking for five more minutes and check it again.[12]
    Make Plum Cake Step 17.jpg
  6. Place the cake on a pastry rack to cool. Once the cake is done cooking, remove it from the oven. Slide the cake out of the pan and onto a wire baking rack to cool. If you let it cool in the pan, the bottom will become soggy. Allow the cake cool completely.
    Make Plum Cake Step 18.jpg
    • While the cake is cooling, dust a layer of confectioner's sugar over the top to add visual excitement.
  7. Serve the plum cake. Once the cake has cooled, serve your plum cake with a hot cup of tea or coffee. Alternatively, make a caramel sauce and pour it over a slice of plum cake before serving it. Finally, if you have a strong sweet tooth, serve a slice of cake with a large scoop of vanilla ice cream.
    Make Plum Cake Step 19.jpg
    • Refrigerate any leftover cake.[13]
    • Eat the cake within three days of baking it.

[Edit]Another Way to Make Plum Cake (see "for Method 2" under "Ingredients")

  1. Cook the jam and brandy in a skillet over medium heat for about 2-3 minutes, or until it is a thick syrup. Remove the pan from the heat and add plums, cut side down, into the syrup. Return the pan to the heat, and cook until the syrup is thick again. Be sure the plums don't stick to the pan. Cool the syrup and plums for about 20 minutes.
    Bake a Plum Cake Step 1.jpg
  2. Move the oven rack into the middle of the oven and pre-heat to 350 degrees. In the mean time, grease and flour a 9-inch springform pan.
    Bake a Plum Cake Step 2.jpg
  3. Put the sugar and almonds through a food processor until the ingredients are finely ground. This should only take a minute or two.
    Bake a Plum Cake Step 3.jpg
  4. Add the flour, baking powder, and salt. Use the "pulse" setting on the food processor to mix the ingredients.
    Bake a Plum Cake Step 4.jpg
  5. Add the eggs, vanilla, butter, and almond extract. Process the ingredients until the batter is smooth. This should take under a minute. You may want to scrape the bowl with the spatula to keep it from sticking.
    Bake a Plum Cake Step 5.jpg
  6. Pour the batter into the pan that you previously greased. Using the spatula, smooth out the edges and the top of the cake.
    Bake a Plum Cake Step 6.jpg
  7. Return to the pan containing the plums. Stir them around until they are coated with the syrup. Place the plums evenly on top of the batter. Do not push them down in too far, let them rest at the surface.
    Bake a Plum Cake Step 7.jpg
  8. Place the cake in the pre-heated oven. Bake the cake for about 40-50 minutes, or until golden brown. Put a wooden skewer through the center of the cake and remove; the cake is ready when the skewer comes out with only a few crumbs of cake.
    Bake a Plum Cake Step 8.jpg
  9. Loosen the cake around the edges with a knife, and allow cake to cool for 30 minutes or so.
    Bake a Plum Cake Step 9.jpg
  10. Transfer the cake to a large platter. Lightly dust the cake with powdered sugar.
    Bake a Plum Cake Step 10.jpg
  11. Slice into eight triangular wedges and serve.
    Bake a Plum Cake Step 11.jpg

[Edit]Tips

  • You can replace the two tablespoons of brandy with one tablespoon of water.
  • This dish goes well with vanilla ice cream.

[Edit]Things You'll Need

For Method 2:

  • 10-inch nonstick skillet
  • Oven
  • Food processor
  • Batter spatula

[Edit]References

[Edit]Quick Summary

How to Make a Sash

Posted: 23 Sep 2019 05:00 PM PDT

A sash is an essential accessory for beauty pageants. A sash is also a fun way to identify the guest of honor at bachelorette parties, baby showers, and other special occasions. You can easily make a sash customized for your needs with a few basic craft supplies and a sewing machine.

[Edit]Steps

[Edit]Designing the Sash

  1. Get approximately of a ribbon. Wide ribbon makes a great sash and eliminates the need to sew as much. is enough ribbon for most adults, but you may need to adjust depending on the size of the person. Measure the ribbon on the person by wrapping it from their hip to their opposite shoulder and back down to their hip. You can always trim the ribbon if it's too long, so it's better to have more than you need than not enough. Choose ribbon in the color and texture of your choice.[1]
    Make a Sash Step 1 Version 5.jpg
    wide ribbon will make it easier to add large lettering to the sash.[2]}}
    • Opt for a thicker, matte type of ribbon to ensure that the iron-on letters will adhere to the ribbon.
  2. Choose some decorative trim. You can accent your sash with some fringe, lace, or another type of trim if desired. Make sure to get enough to cover the entire edge of your ribbon.[3]
    Make a Sash Step 2 Version 5.jpg
    • For example, if you have a long piece of ribbon, then you will need the same amount of trim to cover one edge of the ribbon, or twice as much trim to cover both edges.
    • Try contrasting a red ribbon with some black fringe, or contrast a pink satin ribbon with some white lace.
  3. Select your iron-on letters. You can find iron-on letters in craft supply stores. Choose letters in the style and color of your choice. Make sure that the letters are the iron-on type and that they will fit onto the ribbon you have chosen.[4]
    Make a Sash Step 3 Version 5.jpg
  4. Choose some sequins, crystals, and other embellishments. To add some extra color and sparkle to the sash, you can also glue on some sequins, crystals, and/or beads. Choose embellishments that have a flat side if possible. This will make it easier to glue them onto the ribbon.[5]
    Make a Sash Step 4 Version 5.jpg
    • Try adding light pink crystals to the edges of a dark pink beauty pageant sash.
    • Add some red sequins to a black bachelorette sash.
    • Enhance a white sash with contrasting baby accessory beads (rattles, bottles, booties, etc.) for a baby shower.

[Edit]Sewing the Sash

  1. Pin the trim to the ribbon. To accent your sash, pin the trim to one edge of the ribbon or to both edges if desired. Make sure that the edges of the ribbon and trim are overlapping by at least . Place a pin through the ribbon and trim every to to secure them.[6]

  2. Sew the trim in place. Use your sewing machine to sew a straight stitch about from the edge of the trim to secure it to the ribbon. Make sure that you sew through the ribbon and the trim.[7]

  3. Position the letters on the ribbon. Fold the ribbon in half so that the two ends are matching up and lay the ribbon on a flat surface. Then, begin placing the letters so that they are centered on this section of ribbon. Start and finish placing the letters about to from the fold and the end of the section. Space letters out evenly as well.[8]

    • If the word you want on the sash is a longer one, then place the first letter closer to the edge. For example, if you are making a "Bachelorette" sash, then start pinning the "B" about from the edge and space them evenly so that the "E" is also about from the edge.
  4. Iron the letters in place. Follow the instructions for the iron-on letters to iron them onto the ribbon. You may need to cover the letters with a towel or t-shirt to protect them from the heat. Apply even heat to all of the letters.

  5. Glue on any other embellishments. Apply a dab of fabric glue to the ribbon where you want to place a sequin, crystal, or bead. Then, press the embellishment into the glue. Repeat until you have attached all of the embellishments. Then, let the glue dry overnight.

    • For example, if you are making a sash for a bridal shower, then you could glue on some wedding accessory embellishments, such as a wedding cake, wedding dress, or a bouquet.

[Edit]Securing the Sash

  1. Pin the ends of the sash together. Before you secure the ends of the sash, try it on. Position the sash how you want to wear it and adjust the ends so that they meet near your hip. The ends should be overlapping at a slight angle. When you are happy with the fit, place a pin through the 2 ends to secure them.[9]

  2. Sew across the sash ends. Remove the sash with the pin still in place. Then, use your sewing machine to sew a straight stitch across the two ends. Sew just below where you pinned the ends together.[10]

    • Remove the pin after you finish sewing.
  3. Cut off the excess material. After you finish sewing the ends together, cut along the edge of the seam, about from the stitches you just sewed. Then, discard the excess fabric and your sash is ready to wear![11]

[Edit]Things You'll Need

  • Ribbon
  • Trim
  • Iron-on letters or fabric paint or permanent markers
  • Sequins, crystals, and/or beads
  • Fabric glue
  • Pins
  • Scissors
  • Iron
  • Sewing machine
  • Thread

[Edit]References

[Edit]Quick Summary

How to Fix Your Credit

Posted: 23 Sep 2019 09:00 AM PDT

Having poor credit is stressful and can result in you paying more money than people with good credit when you go to finance a car or buy a house. However, there's no need to hire a credit repair company that claims they can fix your credit woes. In reality, these companies don't do anything you can't do yourself for free. Like losing weight, it takes time and effort to achieve financial fitness. Work on it a little each day and eventually you'll have a credit score you can be proud of.[1]

[Edit]Steps

[Edit]Correcting Errors on Your Credit Report

  1. Get a copy of all three credit reports. Federal law entitles you to 1 free credit report from each of the 3 major credit bureaus every 12 months. To get your free credit reports, go to https://www.annualcreditreport.com/index.action and click the button to request your reports.[2]
    Fix Your Credit Step 1 Version 3.jpg
    • The reports you get from the free report site do not include your credit scores. They only include the entries on your report. However, this is all you need to check for errors.
  2. Compare your credit report with your own records. Read through each of the reports carefully and identify each account listed. Check your own records to make sure the account status, balance, and payments made are correct.[3]
    Fix Your Credit Step 2 Version 3.jpg
    • Not all creditors report to all 3 credit bureaus, so make sure you go through this process with each of your 3 credit reports.
    • If you find an entry on one of your credit reports that doesn't match your own records, make a copy of that page of the credit report and highlight the entry. You'll need to send this to the credit bureau along with a letter explaining the error if you want to get it corrected.
  3. Write a letter to the appropriate credit bureau disputing any errors. Include the page of your credit report where you've highlighted the error, as well as any other documentation you have that would prove the entry was wrong. Even though the credit bureaus allow you to dispute the record online, it's still better to send a written letter so you have a record of the dispute.[4]
    Fix Your Credit Step 3 Version 3.jpg
  4. Mail your letter and supporting documentation to the credit bureau. Before you mail your letter, make a copy of the signed letter for your records. Then send it using certified mail with returned receipt requested. When you get the green card back, keep it with your copy of your dispute letter as proof of delivery. Use the following addresses:[5]
    Fix Your Credit Step 4 Version 4.jpg
    • Equifax: Equifax Information Services LLC, PO Box 740256, Atlanta, GA 30348
    • Experian: Experian, PO Box 4500, Allen, TX 75013
    • TransUnion: TransUnion LLC, Consumer Dispute Center, PO Box 2000, Chester, PA 19016
  5. Follow up to make sure the error is corrected. The credit bureau will investigate the entry and forward your documents and information to the creditor that provided the information for the entry. You will receive notice from the credit bureau when the investigation is complete, typically within 30 days. You'll still want to look at your credit report to verify the information has been changed.[6]
    Fix Your Credit Step 5 Version 3.jpg
    • If the credit bureau determines that the entry is actually correct, you can ask them to put a note on the entry explaining that you dispute it. Although it won't affect your credit score, anyone who requests your credit report will see this note.

[Edit]Working with Your Creditors

  1. Contact your creditors as soon as possible if you can't make the minimum payment. Creditors are typically willing to work with you if you're proactive. As soon as you determine you won't be able to make your minimum monthly payment, call the customer service number for the creditor and let them know about your situation.[7]
    Fix Your Credit Step 6 Version 3.jpg
    • When speaking to a representative, tell them that you're concerned you won't be able to make the minimum payment and let them know the reason. If you have a good idea when the situation will be resolved, give them a time frame.
  2. Ask for a credit limit increase if you're carrying a high balance. Credit utilization makes up about 30% of your credit score. If you're carrying a balance, it shouldn't be more than 30% of your credit limit. If you aren't able to pay down a high balance quickly, the creditor may be willing to increase your credit limit. Then the balance will be a smaller percentage of the overall amount of credit you have available even though it remains the same amount.
    Fix Your Credit Step 7 Version 3.jpg
    • Credit card companies are typically more inclined to give you a higher limit if you have a good credit score and a good payment history with them, but even if you don't they still may be willing to work with you.
  3. Negotiate a lower interest rate on accounts you've had for a while. If you've had a credit card for several years and have a good relationship with the credit card company, you may be able to get a lower interest rate. If you're carrying a balance on the card, this can keep you from getting further into debt. Research other credit cards that are similar to the one you have and compare the interest rates offered.[8]
    Fix Your Credit Step 8 Version 3.jpg
    • Keep all your information handy and call your credit card's customer service number. Explain to the representative the reason for your call, and remind them of your good relationship with the company. Then, let them know that you've been shopping around and that their competitors offer a lower rate.
    • While it's true that credit card companies will be more likely to lower your interest rate if you have a good credit score, it never hurts to ask. The account representative may even give you tips on what you need to do to be eligible for a lower interest rate.
  4. Pay for removal of collection accounts. If you have any credit accounts that have gone into collections, normally the collection entry would stay on your credit report for 7 years. However, you also have a lot of room to negotiate with collection agencies and get the entry removed from your credit report after you've paid the debt in full. These are called "pay for delete" agreements.[9]
    Fix Your Credit Step 9 Version 3.jpg
    • Many collection agencies will send you a settlement offer. If you want to have the entry removed from your credit report, however, you typically have to pay more than the settlement amount. In some cases, you'll have to agree to pay what you owe in full.

[Edit]Using Credit Responsibly

  1. Review what factors go into calculating your credit score. It can take months of hard work to get your credit score where you want it to be. Once you get it there, strive to keep it there or take it even higher. Knowing how your credit score is calculated can help you stay on top of it. Generally, a FICO score is calculated according to the following:[10]
    Fix Your Credit Step 10.jpg
    • Your payment history makes up about 35% of your score. Even a single late payment can be enough to drop your score a few points, so it's important to pay all your bills early or on time, every time.
    • About 30% of your score is based on your credit utilization, which looks at the amount of outstanding debt you have relative to the credit you have available. If you have to carry a balance on a credit card, make sure it's not more than 25% or 30% of your total available credit.
    • About 15% of your credit score is based on your credit history. To keep this portion of your credit score sound, avoid closing your oldest accounts.
    • Inquiries make up about 10% of your credit score. Try not to apply for more than 2 or 3 new lines of credit per year to avoid a negative impact on your score.
    • The final 10% of your credit score deals with the different types of credit accounts you have. Ideally, you want a mix of credit cards, auto loans, a mortgage, and other types of installment accounts.
  2. Create a monthly budget and stick to it. All the hard work you put into fixing your credit will go to waste if you end up getting yourself in debt again because you're over-extended. Figure out your actual take-home income each month and subtract from that the bills you have no control over, such as your utilities, rent or mortgage payment, food, and transportation costs.[11]
    Fix Your Credit Step 11.jpg
    • If you find that you have a shortfall each month, see what you can do to cut your expenses. For example, you may be able to buy in bulk and share with friends and family to reduce food costs.
    • Getting a side gig is another option if you find you have repeated difficulty making ends meet. Signing up with a ride-share app or a delivery service could net you a little extra cash. For example, you might do ride-sharing on weekends to cover your car payment.
  3. Calculate the true cost of big-ticket purchases before you buy. It can be tempting to plunk down a credit card if you want to buy a new TV, gaming system, or computer. But even though your monthly payments may be relatively low, you'll pay a lot more for that item in interest, especially if it takes you several years to pay down the balance.[12]
    Fix Your Credit Step 12.jpg
    • For example, suppose you see a new computer that you want for $3,000. You could put it on your credit card and pay the minimum payment of $60 a month. However, if your interest rate is 15%, this will end up costing you an additional $400 or so a year. Even worse, if you only make the minimum payment, it'll take you 16 years to pay it off! By then, the computer would be well past obsolete and you would have paid your credit card company $3,641 in interest – more than the initial purchase price of the computer.
  4. Pay your bills on time and in full. Create a bill calendar and write down each bill on the day that it's due. This can help you keep track of your bills so they don't sneak up on you. You can also set reminders on your computer or smartphone. Try to pay your credit card balances in full every month whenever possible.[13]
    Fix Your Credit Step 13.jpg
    • Setting up autopay can be a good option to ensure that you don't miss a payment due date. However, make sure you're going to have enough money in your bank account to actually cover the bill. Otherwise, you may get hit with fees for overdraft or returned payment.
  5. Use a credit tracking app to keep on top of your credit score. There are a number of free credit tracking apps, such as Credit Karma, Credit Sesame, and WalletHub, that allow you to check your credit score for changes whenever you want. Many of these apps also have budgeting and planning features that can help you save for your next big purchase.[14]
    Fix Your Credit Step 15.jpg
    • Make a habit of checking your credit at least twice a month. If you've had errors on your credit report before, or have been a victim of identity theft, you may want to check it more often.
  6. Avoid the temptation to apply for new credit cards. Every time you apply for a credit card, an inquiry goes on your credit report. While inquiries only make up about 10% of your total credit score, most creditors look askance at applicants who have applied for a significant number of new credit cards or loans.[15]
    Fix Your Credit Step 14.jpg
    • If you're shopping for a car or a house, most creditors will take this into consideration. However, if you're just applying for a bunch of credit cards, it makes it look like you're having financial trouble.

[Edit]Tips

  • If you have a lack of credit, ask a responsible friend or family member with a good credit score if they would be willing to add you to one of their credit cards as an authorized user. They don't even have to give you a card, but your credit score will improve when they make their payments on time.[16]
  • Whether you're talking to an original creditor or a collection agency, make sure you get any deal you make in writing. If the creditor or collection agency later doesn't follow through with their end of the bargain, you'll have something to enforce.

[Edit]Warnings

  • This article discusses how to fix your credit in the US. If you live in another country, the process may be different. Talk to a local financial advisor or credit specialist.
  • Credit repair companies offer to improve your credit for a fee. While many of these companies aren't necessarily scams, they won't do anything for you that you couldn't do for yourself.[17]

[Edit]Related wikiHows

[Edit]References

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