Problem: Article: ispute inaccuracies on your credit report.  As you monitor your credit report, you may notice things that don’t seem right.  In the event a company submits inaccurate or erroneous information to your credit report, you have the right to dispute it and have it removed from the report.  Debts that have been expunged in your bankruptcy filing should not appear on your credit report as separate items, since the bankruptcy covers them. If you notice these debts on your report, you request to have them removed. Write a letter to the credit bureau with the inaccurate information that was reported, as well as why you believe it to be inaccurate. Request to have the information corrected or completely removed if it cannot be substantiated. You can find contact information for all three credit bureaus here: http://www.myfico.com/CreditEducation/Questions/Error-On-Credit-Report.aspx  Avoid “credit repair” services that promise to have items removed from your credit report for a fee.  No business can remove accurate items from your credit report. If you are unable to apply for a new line of credit but want to begin rebuilding your credit history, you may want to begin by applying for a cell phone.  Cell phone plans provide you with a means to demonstrate your ability to make monthly payments on time and in full.  Remember that if you fail to pay your cell phone bill your carrier may report that failure to your credit report. Make sure there is room for a cell phone bill in your budget before signing a contract. Secured credit cards work differently from traditional credit cards.  You provide the bank with a security deposit for your line of credit.  This can be your savings account or you may need to provide them with a specific deposit the bank will keep.  The bank will then extend a line of credit to you for the amount you secured.  In the event you fail to make a payment on your card, the bank will take the money from the deposit you provided.  Secured credit cards are designed for people with bad credit that are working to improve it, so they are an excellent choice for those rebounding from bankruptcy. Making these payments must be a first priority, as making late payment or missing them entirely will further reduce your credit score. After making reliable payments on a secured credit card for a year or two, your credit may have improved enough to apply for an unsecured credit card. Some lenders may offer cards with high interest fees, but others will treat your bankruptcy as a clean slate and offer you better terms. See if you can find an unsecured card with reasonable interest rates.  Banks will often charge an annual fee for the use of their cards to help the limit financial liability in the event you default on the credit card. Unlike a secured credit card, you will not be required to provide a security deposit for a high interest credit card. People who are rebounding from bankruptcy are often vulnerable to predatory lenders like payroll loans, car title lenders, and retailers that offer “rent-to-own” options.  These companies offer credit to those with bad credit scores and may be tempting, but often offer extremely high interest rates that can lead to paying exorbitant prices for products or finding yourself unable to make the required payments. Predatory lenders have been known to charge interest rates as high as 625%!
Summary: . Start with a cell phone plan. Apply for a secured credit card. Apply for an unsecured credit card. Avoid predatory lenders.

Problem: Article: Slim or skinny jeans pair well with most shoes. Wear them with heels, sneakers or boots and just about any top. Try black skinny jeans with ankle boots or boots that hit either just above or just below the knee.  Try black loafers or brogues for a touch of formality, and consider cuffing your jeans for a smooth finish. To dress your look down, try black or white trainers.  Cuff looser jeans to show off your shoes. Cuffed jeans and capris are a great way to show off some colorful sneakers, casual mules, or heels. Strappy sandals and sporty loafers are also elegant choices.  Wear black capris with brightly-colored heels such as a highly-saturated sky blue, teal, or a bright cherry red. Add a top that shows off the belt. Consider adding a flash of metallic, such as gold on your belt. For example, you may want to wear a collared, button-down blouse tucked into your skinny jeans, to showcase a black belt with a large metallic buckle. Pair jeans well by selecting jackets in matching styles. If your jeans are more casual, your coat should be, too. If your jeans are more formal, go with the formal jacket. Look for a high-waisted blazer that falls above your beltline. Black and white blazers are chic choices for this look. If you want to make the look more casual, try a bold blazer, such as one with an animal print.  For instance, if your black jeans have a light wash and/or they are baggy, they would be considered casual. Pair them with a soft-shouldered jacket in a solid color, like coffee bean. Cuff your jeans if they’re baggy and long. Wear boots or shoes that aren’t dressy. If your black jeans are slim-fitting, look for a dressier, tailored coat. Wear a leather jacket and a t-shirt. Look for high-waisted jackets that are form-fitting. Opt for casual flats like sneakers or sporty slip-ons. Button it to the collar and add outerwear if desired. A black or white button-down shirt pairs well with black jeans. Avoid wearing black polo shirts with black jeans, as your outfit could lack visual interest. Opt instead for light-colored polo shirts or polos in rich dark colors. For example, pair black jeans with a polo shirt in snow white or dark burgundy. The contrast of black and white never goes out of style. Try a leather bomber jacket over a white t-shirt, or a white tee by itself if the weather’s warmer. For an urban casual look, tuck baggy black jeans into bright white tennis shoes and pop on a black blazer over your plain tee.  Add a long-chained necklace, if desired. Any color pairs with black and white, so incorporate a pop of color if you like. For example, a bright-colored baseball cap.
Summary: Show off your shoes. Consider showcasing a belt with slim jeans. Wear a blazer or a jacket. Try a button-down shirt. Wear a white t-shirt.

Problem: Article: Your forearms should be flat against the ground and your shins should be nearly flat against the ground, as well. Keep your head, neck, and back in a natural position. They should be straight without being rigid, and your back should angle down slightly toward your front half. You should try to raise the thigh to about 45 degrees. Your knee should be bent, and your heel should face upward.  Keep your back straight as you lift you leg. Hold yourself in this position for five seconds. Slowly lower your left leg to your starting position. Once lowered, lift the left leg again in the same manner. This exercise should be repeated at least five times during a routine with one leg. When you have finished exercising your left leg, repeat the same steps using your right leg. You should lift your right leg the same number of times you lifted your left leg.
Summary:
Rest on your elbows and knees. Raise your left thigh slowly. Lower the leg and repeat. Repeat, switching legs.