April Newsletter

Connecting Brides and Wedding Professionals through Social Tools and Bridal Events!

In This Issue   April Networking   eBook for Members   Meet the Board   Networking Schedule   New Members   Save the Date in May Networking Tips OC Brides eBook Hey Members ...  OC Brides is publishing an ebook written by it's members. Are you interested in participating? This eBook will be distributed to members to give to their brides.  Brides will LOVE the tips our members offer them in their wedding planning journey and they will love YOU for gifting them this eBook. This is a great way to build your contact list.  Offer them the free eBook when joining your mailing list! Contact Cindy@ocbrides.com for more info! Meet the Advisors Grace Teran Beth DeGiacomo Debbie Christensen Dave Greenwood Jacob Austell Zakia Radwan Cindy Lieber -- Founder  New Members Welcome to our April new and renewal Members (so far) .... Flowery of Irvine BKM Photography Origami Owl -- Jennifer McCoy Stella and Dot Jacob Austell Photogrpahy Taylor Made Events Mi California Pollos Networking Schedule April 24 --  Skylinks Golf Course May 22 -- OC Plaza Irvine June 19 -- Diamond Bar Golf Course Diamond Bar Center -- Summer We are in the midst of planning many special events for 2013.  If you are a venue or know of a venue that would like to host a Bridal Networking Event, please contact me! OC Brides Bridal Networking Event 4-24-13 Spring Bling Featured Location:  SkyLinks Golf Course Long Beach Event Sponsors include: Skylinks Golf Course  Amazing Cake Creations  MIJO Entertainment    Woody Woods Photography Memory Lane Videography Viral Booth LA Photobooths  Elegant Wind Waves Memory Lane Events LLC White Feathers Events  Diana & Company Jewelry Designs Premier Bridal Shows Amazing Acrylic St. Patrick's Travel Origami Owl Red Carpet Makeovers Arbonne Prepaid PRICING ENDS 12pm 4-24 $20 at the door   Save the Date:  Vintage Glam at Crevier Classic Cars 5-22-13 We love finding hidden gems, new and unusual venues for our wedding professionals to check out!  This site offers unique classic cars in the midst of your special event!      Cindy Lieber   (714) 970-6380   Cindy@OCBrides.com

http://www.icontact-archive.com/JLd7DmBLlIjGAHOX3D5XNbNYMNfm8v7w?w=2

Keep Your Credit Score in Good Standing

Anatomy of Your Credit Score

All of your debts, payments, credit card accounts and other financial history are distilled down into one number, your FICO credit score. All of the credit agencies calculate a score between 300 (extremely poor creditworthiness) and 850 (perfect credit). The average score is roughly 710. Your credit score may be used to determine the approval or denial of car loans, mortgages and other major credit purchases, as well as the interest rates available to you. Many individuals do not know their score or how it is calculated. Understanding what a credit score is made of will help you improve your score.

• The highest percentage, 35%, of your score is determined by payment history. Missing payments or frequently paying bills late will drastically lower your score. The good news is, FICO favors recent activity, so you can improve your score by making timely payments or working out payments plans that suit your budget.
• 30% of the FICO score is based on how much money you owe versus how much credit is available to you. Someone close to maxing out his or her credit cards is seen as a higher risk of default.
• 15% of your credit score is based on the length of your credit history. The longer your credit history the better.
• The type of credit you use determines 10% of the FICO score. Having many different types of credit, including mortgages, credit cards, car loans, revolving and installment credit, will generate a higher score.

• 10% of your FICO score includes searches for credit. Applying for many different types of credit over a short period of time can lower your score. Rate shopping for one specific type of loan should not have much impact on your score.  

If you need any assistance dealing with inaccurate information on your credit report or have questions, visit My LegalShield Associate