b'BOOK REVIEW REALESTATE30 Days of EncouragementBy Joyce Washington 5 Steps to Improving Your Credit ScoreBy Kathy Casey, ABR, CNET hirtyDaysofaving good credit score can make the differ-Encouragement for the FenderBendersinYourH ence between driving a hooptie, purchasing Lifeisdedicatedtothea home or even whether you get that dream job. downtrodden,depressed,Mostcreditscoresarewithinarangeof300 and those who have givento 850. The credit tiers generally look like this: up on life or are too tiredExcellentCredit:750+,GoodCredit:700-749, tocare.EveryoneisaFair Credit: 650-699, Poor Credit: 600-649, Bad work in progress and asCredit: below 600.Christians,weallneed eachother,whetherweMost mortgage companies require at least a 620 like each other or not. As we reconcile ourselvesscore in order to get a loan for a home. Here are 5cally.If this scares you than set up reminders within the Body of Christ, we become the armysimple tips to help you improve your credit: on your phone, keep a calendar, get organized.that the Lord needs to achieve His most important objective within the earth, (see Habakkuk 2:14). 1. Get a copy of your report and dispute any dis- 5. Apply for credit sparingly.Did you know that What is a fender bender? It is a minor collisioncrepancies. Contrary to popular belief the crediteverytimeyouapplyforcredititdragsyour betweentwoautomobiles.Eachpersonreadingreporting agencies are not government agenciesscoredown.Bestrategicandcarefulabout this may be thinking that what has happened tobut are for profit companies. Make sure to get aapplying for new credit.him or her is no fender bender. Of course, therereport from each of them; Transunion, Equifax is enormous tragedy in this world that is muchandExperian.Creditreportsoftenhavemis- Everyones situation is different and there is pre-greater than a fender bender. Those can be calledtakes on them. What is on one report may notdictive software that can outline exactly what you major collisions. There is, however, hope and com- be on another report which is why it is impor- need to do to improve your score.For a personal-fort in the word of God for all things. If we viewtant to get all three.Get a free copy of yourized plan to improve your score, give us a call we some of the less tragic events with a different per- report once a year at annualcreditreport.com. will have one of our lender or attorney profession-spective, we will see that they are fender benders.2. Plan to clean up your report. Are there accountsalscustomizea Most of the things that have such an emotionalon your report that have been on for decades?plan for you.As effect on us will not matter in a few months. Are there late payments that you paid on time?always,ifyou ThirtyDaysofEncouragementfortheFenderAre there accounts you dont recognize? Is yourwantinforma-Benders in Your Life will help the reader see thepersonal information accurate, etc. tiononbuy-magnitude of Gods love and His heart for you, Hisingorsellinga dear child. This book may be used as a spring- 3. Keepyourrevolvingbalancesunder30%ofhome Give us a board of hope and healing for the challenges facedyour credit limit.If your credit limit is $1,000call!each day. thirtydaysofencouragement.com you dont want your balance to exceed $333. The amount owed on your credit and revolving accounts make up for 30% of your credit score.KathyCasey,ABR,CNE,CertifiedMilitary SCRIPTURE Keeping a low balance is crucial to improvingSpecialist,Realtor,ResidentialBrokerage your score. DenverCentralOffice-600Grant Keep Praying 4. Makeyourpaymentsearlyorontime.YourStreet,Suite900|Denver,CO80203- payment history affects the largest part of yourO:303-320-5733|M:303-359-0579 score.Paymenthistoryaccountsfor35%ofE: kathymyrealtor@msn.com your score.You can set up payments automati- www.therealestateladies.comBy Sister CarrieD idyouknowasassist those in the community.Christian there is a tar- Also the Black Church Economic Development get on our backs , there is aCouncilisaministryformedandpartofthe Super Hero cartoon by theMetropolitan Urban Challenge Inc.name of Captain American,The council represents a cross-section of busi-andhewearsachecker- nesseswithintheblackcommunity.Theidea boardteeshirtwithabigbehind the BCEDC is helping to strengthen those star in the center of a circlebusiness ventures providing goods and services to on his chest, let\'s call thisthe community.circle the enemies domain,That is why a pertinent event is coming up to Sometime\'sinlifeyouarebenefit those in the community, the Black Church surrounded by one thing after another, and you question God, Lord where are you, can\'t you seeOpen for Business!EconomicDevelopmentConferencetakingplace the enemies has me surrounded, I get over oneMay31-June1,atNewHopeBaptistChurch, thing then there\'s another spirit to fight. God toldM etropolitan Urban League Inc. programs mis- 3701 Colorado Blvd in Denver.me yes I see and I want you to see I have warringsion statement is assisting African AmericanThe African American community has a right to angels surrounding your enemies.men and women in business and those who dreamwealth and it\'s time to challenge ourselves to do God said, every time the devil strikes you, theof having a business, said Rev. Steven C Dewberrytheworktodeveloprealwealth,expressesRev. angels of the Lord strikes them, and then you seeregarding their event that took place last month. Dewberrys message in flyers and other correspon-the circle,( the giants in your life) that surroundedTheMetroUrbanChallengeInclauncheditsdence being put out in the community regarding the star fall down. The devil keep throwing darts,new office and had an open house in the learningthe upcoming economic development conferencebut he can not hit the star oF God that\'s in thecenter inside Zion Baptist Church, 94 E. 24th Ave.Its about being dedicated toward building wealth center of our heart.in Denver. They are now opened for business toin our black community.WemustkeepPrayingtotheLord,Wemust keep Praising the Lord, when you don\'t see any away out. In the book of 1Corinthians 10:13 says. "There hath no temptation taken you but such as is common to man: but God is faithful, who will notsufferyoutobetemptedabovethatyeare able; but will with the temptation also make a way to escape, that ye may be able to bear it."All we can say is thank you Jesus for having the Angels of the Lord fighting our Battles, its time to gird your loins with truth, protect your hearts and chest with the breastplate of his righteousness, cover your feet with the gospel of peace use the shield of faith to quench all the fiery darts of the wicked one. Wearthehelmetofsalvationtoprotectyour head and mind, and take the sword of the spirit (the word of God) to slay the enemy. In the book of St. Luke 4:4 says, "And Jesus answered them , saying, It is written, THAT MAN SHALL NOT LIVECelebrating Seven YearsBYBREADALONE,BUTBYEVERYWORDOF GOD."Let\'s slay the enemy. Ephesians 6: 18 says,F resh Anointing Christian Church Celebrates their Seven year Anniversary at their new location 3504 "Praying always with all prayer and supplication inHigh St. Rev. Jimmy T. McGee and first Lady Linda McGee cuts the ribbon to enter the Church at the Spirit, and watching thereunto with all perse- their new location. 1st Lady Linda McGee, Pastors Mother Doris Pyles and Rev. Pastor Jimmy T. McGee.verance and supplication for all saints;" 10 MAY 2019 BOCNEWS.com'