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If you have been managing credit for a short time, don’t open a lot of new accounts too rapidly. New accounts will lower your average account age, which will have a larger effect on your scores if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

When you wonder why and check your credit report, you may be surprised to find one or several negative items tarnishing your score. Or maybe you’re not even sure how to interpret all of the information listed there! Once you figure out what’s on your credit report and how it affects your score, you can start your credit repair journey. Fixing bad credit is not something that can be done overnight, but at the same time, you don’t have to wait years to see improvement.

New credit tips: Re-establish your credit history if you have had problems: opening new accounts responsibly and paying them off on time will raise your credit score in the long term.

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A charge-off occurs when a creditor decides a debt is not collectible. Rather than carry it on their books as an overdue or past due debt, they can instead eliminate it from their reportable past due accounts. By charging off the debt, the company’s accounts receivable report improves; however, that doesn’t mean the debt has disappeared. In most cases, the debt is sold to a “debt buyer” who pays pennies on the dollar for the face value of the debt. By purchasing the debt, the debt buyer can now attempt to collect the amount owed (plus court fees, interest, late charges, and more) by contacting the debtor and taking them to court for the full value plus any applicable fees. If you have a charge off on your credit report, it can stay there for up to seven years plus 180 days from the original date of delinquency.

Set Up Payment Reminders – Write down payment deadlines for each bill in a planner or calendar and set up reminders online. Consistently paying your bills on time can raise your score within a few months. Pay More Than Once in a Billing Cycle – If you can afford it, pay down your bills every two weeks rather than once a month. This lowers your credit utilization and definitely improves your score.

Sri Lanka safari tour for UK citizens

Live a Sri Lanka safari with Go4Safari team! Sri Lanka is an incredible country with many excellent attractions. Yala National Park is home to many wildlife animals including leopards if you have a very special fond affection towards the big cat family and you love to see these feline in their natural habitat you have come to the right place, all you have to do is book a ticket to Sri Lanka and book Sri Lanka Safari through go for Safari they have an early morning special Leopard Safari game drive programs that cater to cat lovers who desperate to see leopards in Sri Lanka.

The Temple of the Tooth is a highly sacred place. The temple contains one of Buddha’s teeth. Legend has it that the tooth was taken from the Buddha on his deathbed, then smuggled to Sri Lanka from India. It was smuggled in the hair of a princess, after her father’s kingdom had been besieged. It immediately became an object of great importance and has been celebrated and paraded throughout history. However, many attempts have also been made to steal or destroy the tooth. Twice daily, pujas are held to celebrate the relic and offer visitors and devotees the chance to get a glimpse of the tooth within its casing. At the summit of Adam’s Peak is a footprint cast in stone. It has spiritual significance to a number of different religions, however, there is currently a Buddhist monastery at the summit. To the Buddhists, the footprint is that of Buddha’s; to Christians, the footprint is Adam’s; and to Hindus, the footprint is attributed to Shiva. The site is a popular place of pilgrimage, especially on full moon nights. The trek to the top of the mountain to see the footprint is via a steep staircase containing over 5000 steps. The trail is lined with many tea stalls and food shops which act as places of rest. Most people begin their hike at 2:30 am to reach the summit in time for sunrise.

Diyaluma Falls is the 2nd biggest waterfall in Sri Lanka and is the perfect spot for a full day adventure. There are multiple falls and natural pools throughout this hike in the Badulla region. I could’ve spent days here. The hike was almost entirely downhill and led us through the long grass but the trail was marked the whole way. It appeared that the trail wasn’t used too often as the trail was quite overgrown in many parts. After about 30 minutes we reached the top of Diyaluma Falls. Here you have a series of pools cascading towards the edge of the cliff. When the falls finally reach the edge they fall into one final pool before crashing 628 feet into the pool, far below. This is the 2nd highest waterfall in Sri Lanka and it is hard to get a good look from this vantage point but if you are game enough you can peer over the edge. After chilling on the edge for over an hour we headed back up the track passing the upper falls and arriving at the top of the upper falls. This was a 15-minute hike and we just followed the track alongside the upper falls. Here we found more pools. It looked quite average until we explored further towards the edge of the upper Diyaluma falls and found a spot where we could jump. We checked the depth and found an area with no rocks and spent the next hour flipping through the refreshing water. See more details on Sri Lanka safari tour.

The Kandy to Ella train journey is said to be one of the most scenic, epic train journeys in not only just Sri Lanka but the world. So with a few days to spare in Sri Lanka, I decided to purchase a ticket for $1.50 and climb aboard for the 5-hour journey. Yes, the train really does cost just $1.50. I have now taken the train in both directions. From Kandy to Ella and in reverse from Ella to Kandy. On both occasions, I just arrived at the train station and bought the cheapest ticket and walked on. I didn’t sit in a seat, I preferred to an open door and hang my legs over the edge for the entire journey.

At the heart of Sri Lanka’s tea industry, this charming throwback to the country’s colonial years is rich with the heritage of home-county England. Tour neatly-terraced tea estates, watch pickers at work, and buy your own samples to take home. Tea lovers will want to visit the Hill Country’s Haputale Mountains, where Sir Thomas Lipton launched his tea empire. To see where it all began, organise transport to Lipton’s Seat – Mr Lipton’s favourite spot to sit and watch over his enormous estate. It is possible (and maybe a bit more comfortable) to take a car up, but an open air tuk-tuk ride is much more fun. Head out early before the afternoon fog cloaks the surrounding mountains, clouding the awe-inspiring views.

Why Wilpattu Safari ? Wilpattu national park in Sri Lanka has the most leopard density when compared to other national parks, also the national park is among the top national parks in the world for its ? leopard population, Wilpattu harbor extremely high biodiversity, including 31 species of mammals, sloth bear (Melursus Ursinus inornatus), water buffalo (Bubalus bubalis), elephant (Elephas Maximus Maximus), Sambhur (Rusa unicolor unicolor), Spotted deer (Axis axis ceylonensis), Mongoose, and shrew are most known. Since this is not the most famous park here on the Island, despite the peak season visitor numbers remain low, which gives Wilpattu a genuine sense of wilderness. Wilpattu park is mostly good to visit all around the year and less crowded with tourists. You will have a close encounter with beautiful jungle trails with lots of mixed geographical features from grassy plains amidst the dense jungle, to wetlands called “Villu”, aka “Willu-Pattu” translated to Land of Lakes. 75% of the national park is covered with thick jungle, therefore you need more time and patient to spot leopards, best if you book a full day Safari and take the most out your encounter with wildlife.

Source: https://www.go4safari.com/