A bad credit score report may damage future endeavors. It is really an uncomfortable fact then one that needs to be trained in senior high school. How to deal with a charge card may also be a chance to learn, particularly if you have no prior understanding of rates of interest. Credit is basically another person's money that's being given for you. You can utilize just as much out of the box given, but there's a portion that compounds onto what's owed for every month spent paying back the cash lent. A $500 loan at 19% implies that after borrowing that $500, if it's not paid back following the first month, $95 will be included to your debt. Therefore the debt has elevated to $595. Deficiencies in understanding about these details often leads someone to look for techniques of credit repair.

Do not concern yourself: finding yourself in debt to some charge card is really a luxury many People in america enjoy and also have a to. Actually, it will help the economy. If nobody used a charge card, charge card agencies would need to laid off their employees. The cash charge card agencies make does not go near the traders, because there's none. However in the rare instances where using credit will get beyond control, credit repair solutions ought to be sought out. A few of these solutions should be budgeting and cutting unnecessary expenses. Other solutions, like declaring the correct chapter of personal bankruptcy, might be a bit more demanding.

Now, a credit report may be the document that consists of every cent lent, how lengthy it required to pay back, and also the interest looking for the customer. This report has every cent lent of all the agency or bank. When a consumer has requested credit or perhaps a loan, their details are submitted to some credit agency, which in turn matches the data with records and transmits the data back for that loan provider to select approving the borrowed funds or credit. To be able to facilitate a faster process in acquiring credit, you can use a trustworthy credit repair business to improve ones credit rating.

The credit rating of each and every individual directly affects the monthly rate of interest around the credit or loan. For such things as a credit line, the eye is extremely low. These are typically granted for those who have a favorable credit report. In case your credit rating is high, this can be a positive thing - the monthly rate of interest is gloomier. If ones credit rating is low, the rate of interest is high. To be able to increase a score, and thusly lower the rate of interest, a credit repair business ought to be searched for out. The credit repair business works together with you to definitely help repair your credit rating. It can possibly work in lowering further debt and provide you with techniques to lessen current debt, with respect to the agency. You will find many, many agencies available. A number of them aren't trustworthy and really hurt a person a lot more than help. To locate a good credit repair business, seek information.

Lagu sdih,tp comel.....

FINE !
why is it everytime i try,

it always comes back as a lie,

i could believe in the words that you say to me,

but lately i think i wont agree,
what makes the world go by,

if you cannot crush my life,
what holds you up so high,

when you want it all the time,
(C/O)COZ WE WILL BE FINE,

IN MATTER OF TIME,

SUBJECT TO MY MIND,

AS WERE CROSSING THE LINE,
DIRECTIONS TO SEE,

PERFECTION TO BE,

A PAIN OF A KIND ALWAYS CRASHING ON ME,
SUFFERCATE, TIME, MATTER I..LL BE FINE,

TODAY,
and the days they go on and on,

as all the time im all alone,

it never pays me to say that im not ok,

but you still have time to make fun of me,
what makes the world go by,

if u cannot crush my life,
what holds you up so high,

when you want it all the time
(C/O)
and i dont believe,

in time we will seea pain of a kind always crashing on me
suffercate, time, matter i..ll be fine,

today..........

Cute x?

ni ank buah aku yg 1st
Mohammad Syabil Faiz b. Suzaini

Kursus Usahawan di UiTM T'ganu (11dec-17dec2008)

Lupe lak nk cite pasal kursus ni,
tibe2 aku nk join lak kn,
sbb aku rase aku patut join,
10hb tu dh gerak dh,
ismi antr aku smpi pudu,
kt pudu tu jumpe ida n intan safinaz,
aku ni bwk beg kecik tp ade 3,
yg diorg be2 ni lak bwk beg cm nk g overseas dh,
smpi tmpt letak beg kt tepi bus tu x muat la,
mentang2 le semgu ea,
ptg tu smpi uitm sgmt dlu,
smpi2 kne g bilik medec,amek fail gn dftr skali,
tdo situ dlu la mlm tu,
dh tu,lapor giler lak ea,
kebetulan ade senior bt part time kt situ,
thanx kak ain n kak pija coz bg ktorg mkn,
hehehe,
sgup wo g kolej lain semata2 nk masak megi,
sok nye lak bertolak nk g uitm dungun,
pak cik bus tu bwk laju gler,
kitorg sume hmpir putus nyawa r dlm bus tu,
huhu,
tp ape2pon,thanx la kt pakcik tu,slmt gk kitorg smpi,
bus student 2 buah,bus kecik lak bwk lecturer2,
smpi je kt u tu,ktorg konon2 cm impressed r sbb ade laut,
hahahaha,jakun gk ea,
tp memg btol2 dekat r,ombak nye x nk lak gedabak gler ea,,
smpi2 je kne plh bilik lak,amek kunci,
pastu ade perasmian,VC yg rasmikan,cm bertuah je rasenye ea,
VC pon cite la pengalaman die,best gk dgr kn,
dh lpas tu,pn hjh kursimah pon gtaw la yg ktorg x leh g pantai tu,
byk yg x baik drpd yg baik kn,
kitorg g crmh ape sume,nek bus wo,b'jemput dn b'hantar,
sbb takot sesat,yela,kn x biase kn,
kt situ dh la mkn 6x sehari,
huish,memg x de mangsa kelaparan r,
hari ahad lak kitorg ade lwtn industri,
mule2 g SME bank,time ni g la interview usahawan2 kt situ,
ade usahawan sos,puding,ais,percetakan,kek,sabun n byk lg r,
dh hbis kt SME bank tu,g ke noor arfa complex craft lak,
tgk org bt batik,anyam beg,
pastu bju2 kt situ,pergh....,
cantik tu of coz la,tp mestilah mhl kn,
aku hnya mmpu melihat tag hrgenye saje,
huhuhu,
dh pas interview n borong brg kt ctu,ktorg g le ke pasar payang,
lpor beb,kang ketaq lutut x leh jln,hehehe,
pastu kt pasar pyg tu,si ida gn intan ni g bli belacan pulak,
hahaha, mak nye pesan la,
diorg pon bli kopok ikn tu byk gler,
aku mls nk bli ape2 coz kt umh dh byk kopok ikn,belacan pon mak aku x suruh bli,
die pki belacan ali je,huhuhu,
aku pon nyempat bli bju ntok mak aku,
tp mak aku x berkenan pon,aku memg x reti la taste mak aku,
pastu kitorg g tmpt kopok losong lak,
time ni la 3 org bdk dh tertgl,
elok2 leh g msjid kristal,dh x dpt g,
pakcik bus tu emo gler r,
padahal bus lect gn lg 1 bus dh g msjid tu,
bus ktorg je yg blek uitm,
huhuhu,smpi hti....,
tp kitorg dpt lbh mse la ntok bt slde show presentation pasal lwtn tu,
2nd last day,kitorg dpt g pantai,
sume student cm enjoy gler r kt situ,
padahal pantai je pon,
pasir kt situ jnis yg jerlus pnye,
sentuh sket dh runtuh,
tu yg x leh mdi tu,bhaye,
main air kt pgir2 pantai je la npknye,
pastu tgkp gmbr smpi betry kong,
hahaha,benda wajib tu...,
kitorg ade last projek sbnrnye,kne bt Rancangan Perniagaan(RP),
ish,sush btol nk bt benda tu,benda tu gne ntok mtk loan la,
byk silp kitorg time present tu,
tp ok la,kitorg group 1st yg present,
dh bosan nk dgr org lain pnye RP,kitorg pon b'jln la ke ekspo kualiti uitm dungun,
not bad la,kt situ kn byk faculty,
yg x thn tu,sgh booth pbsm,student yg jge la,laki,
baik sguh lyanan,
dh mcm mbr2 lme lak,
pastu aku tnye le sorg bdk ni,
"uitm sini bt ekspo kuality ni sbb korg menang ke?",
bdk tu pon ckp "iye la",
pastu nasib bek ktorg sgh booth unit kualiti uitm dungun tu,
dgn slamber aku ckp,"encik,tahniah la ea menang anugerah kualiti tu",
siap gn senyum2 kmbing lg,
sekali,encik tu tnye aku,"eh,yeke?dh kuar ea keputusan nye?org kate kuar ptg ni",
aku dh plik r kt situ,malu pon ade,
cm aku lak yg lbh taw dr unit kualiti ni,
aku pon cite r hal sbnr,encik tu pon ckp result kuar ptg ni,
x taw sape yg dpt anugerah kualiti tu,
huh,terbakor je gn bdk pbsm tu ea,sabor2....,
pastu 17hb ktorg pon blek ke uitm sgmt,
sgah mkn satar jp,sdp gk benda tu ea,pedas...,
smpi uitm dlm kul 11 la,
soknye bru bertolak ke umah.......

Trip to Malacca (3rd Jan 09)

hri tu kan, bru msuk sem ni, kitorg g jalan2, g melaka.
mula2 sem ni la leh enjoy sket, sementara stok duit masih ade, hehehe
sewa kete 24jam je, rm80, masing2 bajet wo.
kul 10 pg lbh dh bertolak dh, smgt gler,
ni sume idea si intan la ni, tibe2 nk g melaka,
masyuk gk la g sne, mule2 smpi melaka je dh sgah Taman Rama2.
jumpa kwn intan, UNGKA tompok2...
hehehe,jgn mrh ea sape yg terlibat tu.
kt situ, bantai bergmbr je la kitorg ni, sakan!
asal ade scene cun je,di situlah ade muka kitorg.
kt taman rama2 tu kn, rasenye x yh g zoo la,sume binatang dh ade kt situ,
ktorg pon x g la zoo, trus g taman boye lak.
dtg2 situ je,kebetulan p'tunjukan boye dh nk mule,
join je la alang2 kn, mc kt situ lak suke nyakat ktorg, x bosan la
boye pon agk pndai la,pndai cne tu, tgk la sendri, sush nk describe beb.
yg x thn tu, g msuk umah hntu, 1st time wo, dr mula smpi kuar, sore aku je yg lebih jeritnye,
itu yg aswa n mbr2 lain ckp la,hehehe
aku pon x taw knp aku rase nk jerit aje,
dh r aku pejam mata je dlm tu,org depan jerit,aku pon sahut la,jerit jgk,
padahal x npk ape2 pon,hahaha..
aku jerit beriye2 kot smpi mengalir air mata.
aswa gn mai siap gelak2 kt blakang, si intan ni blakang aku,
die kate bile aku jerit, die pon ikut jerit,
padahal aku pon ikut org depan jerit, bru aku jerit, 3xganda aku jerit,
dh kuar umah antu tu,adoiiiii...
lega beb...org lain kt luar tu maybe nk masuk umah antu tu sbb kitorg kot,
konon2 cm thriller gler r smpi begitu skali jeritan yg diorg dgr,
hahaha,promotion yg bgs drpd kitorg ntok owner umah antu tu,hehehe,
pas dh pnt jerit, g taman botanical lak,
tp nothing special la kt situ, cm tmpt rekreasi, jungle tracking,
so,kitorg pon blah dr situ, menuju ke mane ea,lupe lak,
konon2 dh smpi eye on m'sia la.
nk ke situ pon dh 1 hal,bpe kali sesat ntah
nasib baik dpt petunjuk dr Ilahi,cewahhh...
ktorg pon batak r nk naik benda tu,last2 dpt masuk,
dh masuk,ape lg,pose la,tgkp gmbr,
x peduli dh goyang ke,gayat ke ape,
janji ade kenangan kt situ,
dh puas kt situ,g lepak kt tepi laut yg dkt2 kt situ la,
mkn beger je,smpi la mgrib..
mgrib tu, g solat kt masjid selat,
memg exclusif la masjid tu, dalammmm sguh..
cantik lak tu, ade pak guard lg..
mlm tu plan nk mkn kt umbai,
ingatnye kedai terapong,tp silap da,umbai x terapong pon,
yg terapong tu org situ ckp kt sekam ke ape ntah namenye,
bantai je la,x teropong pon x pe,janji kenyang,
ktorg pon mkn la siakap bakar gn smbl sutun,
ntok 5 org mkn,RM50,ok gk la kot,ntah la ea.
mlm tu g jonker walk,byk jual brg kt situ,bt sakit kaki je,pjg gler,
kul 12 lbh,x taw nk tdo kt ne,lpak mc d lame2 smpi kul 2 kot,
pastu tdo dlm kete je,aswa la sian,driver kn,aku dh tdo dlu dh,die tdo bile ntah,aku pon x taw,
bgn2 je tgk2 dh pagi,pagi tu lak g mandi kt gunung ledang,
x mcm beku lak kn kt situ,aku msuk kaki je,dh x leh gerak dh,sejuk ma,kul 8 kitorg mdi,
mai lak mula2 x nk join konon,tgk2 die yg byk bt aksi,
aku pon impressed gk la tgk die,tgk je la yg mampu,tenggek atas batu,hehehe.
nk join,jgn harap,
lastly,kul 10,smpi u,smpi2 trus tdo,hehehe,
tp memg syok la jalan2 gn member.
syok weh...