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Raise Your Credit Score Now

1. Deleting mistakes in 48 Hours
this is actually the absolute fastest option to correct mistakes on your own credit file and raise your credit score. But can only just be done through home financing business or a bank. In the event that you submit an application for a mortgage and locate errors on the credit file, request the mortgage officer to perform an immediate Rescore. But don’t mistake it the credit clinic tactic of multiple dispute letters. The Rapid Rescore strategy requires appropriate paperwork. You will need evidence that the item is incorrect. It should result from the creditor straight. For instance, a letter saying the account isn’t your account, a letter stating the account ended up being paid satisfactorily, a release of lien, a satisfaction of judgment, a bankruptcy release, a letter for removal of collection account or any relevant proof. This is the same documentation a bank or home loan organization would require for credit records anyways. The real difference is, now you can enhance your credit history and receive a reduced rate of interest. The results aren’t guaranteed in full and certainly will run you about $ 50 per account.
2. Deleting Negative Credit
This is the infamous location where you’ve been aware of most of the frauds. Credit repair clinics charge “an arm and a leg” and promise a
clean credit history. Often even a new credit profile! Folks investing hundreds, or even thousands, of dollars for one thing they can do by themselves. Now is there a free credit score gov in existence? Eliminating errors is simple. Deleting bad credit that’s precise needs higher level methods. But that is maybe not the scope of the report. Thus I’ll concentrate on the deleting the negative mistakes. Credit file errors easily disappear through a straightforward dispute page. If you have the documents showing the error as stated above in fast Rescore, send copies of that along with the dispute page. This may result in the credit bureau’s task simpler and you’ll get quicker outcomes. If you don’t possess documents to show the error(s), deliver the dispute letter anyway. In accordance with federal law, the credit bureau have actually a “reasonable time” to validate your claim. They will contact the creditor for verification of the dispute. Then your account is reported precisely – or deleted. It was usually acknowledged the “reasonable time” to complete this is 30 days. If you are perhaps not the do-it-yourself kind of individual. Or don’t have the time. You can hire someone who is extremely cost-effective.
3. PiggyBack another person’s Credit
it is a quick and great little credit rating booster. But it needs a rather trusting commitment. To put it simply, somebody else adds you to definitely their credit account. For example, when obtaining credit cards, you’ve probably heard of section to incorporate a card holder. Should your trusting person adds you, their particular repayment record has become reported on your credit history also. Whether they have perfect credit, so now you have actually a fantastic account.
Which will make this far better, use an aged account. Imagine should your trusted person features a 10 yr old credit card account with an amazing payment record and a balance of only 50per cent associated with the credit limit. Won’t you love to possess this on the credit history? The easy component can be your reliable person just calls the charge card company and requests a questionnaire to incorporate a cardholder. When completed and activated, their entire account history and future is firmly grown on your own account. Imagine if you secured 3-5 of
these reports – specifically installment accounts. Your credit score could sky-rocket! The difficult part? Choosing the respected person. Because you already have a decreased credit rating and bad credit, just how eager will somebody be to get you to a cardholder? Also your mother and father don’t want you to damage their credit. But, no one says you’ll want to possess the card! This means, your reliable person could add you as a card holder and do not give you the card or PIN or any information. Because the bills and all account information remains sent towards the trusted man or woman’s target, you’ll not know any thing in regards to the account. This scenario could land you numerous reliable persons. Therefore however benefit with a higher credit rating.
4. Playing Round Robin
this plan is among the earliest credit creating methods around. It used to be achieved with secured savings records. The good news is, it really is easier with secured charge cards. In reality, I’ve used this process myself. Listed here is how it operates: just take ,000 (or what you can pay for) and acquire a secured bank card. As soon as obtained, get a cash advance of 70percent of borrowing limit. Get another secured credit card. Once gotten, get a cash advance of 70percent of the borrowing limit. Get a third secured credit card. Once gotten, get a cash advance of 70percent of your borrowing limit. Start a brand new bank checking account with all the final cash advance. Make use of this account only for making payments on the three brand new charge cards. In the event that you make your repayments timely monthly, your credit rating will increase since you now have three brand new perfect repayment bank cards. (Initially, your credit score might drop a few things due to the quick, numerous accounts being established. But show patience because within 4 months of no new records or any delinquencies of any account, you will observe your credit score increase. Mine enhanced 60 points in 60 times!!)
5. Pay timely
This one is fairly apparent. But after 12.5 years into the home loan business, i came across it nevertheless needs saying. Creditors were gracious enough to loan you money. Today spend your really bills! If you do not, your credit score reduces. EVEN WHEN JUST THIRTY DAY PERIOD LATE! That is right people. For whatever reason men and women believe, “i am only a few days late. What’s the big bargain?” Really, when it comes to loan company,
in the event that you spend belated but constant, they make a lot more money with late costs and much more interest (if an easy interest loan). For you personally, your credit score is damaged. If you think long-lasting and credit history, i believe you will not have a cavalier mindset.
6. Pay Down Debts
This may seem like an obvious strategy, does it not? But it is less clear as you might believe. Remember, we’re playing with high-level statistics and probabilities which evaluates and
forecasts trends inside behavior. Here’s what you do…Never repay your revolving financial obligation inside it’s totality! Actually that a shock? Consider it. Your credit score is a reflection of power to handle your credit. Paying off the debt is certainly not handling your financial troubles. If you have a zero stability, how can you manage it? You don’t. It no further exists. And also you cannot handle what does maybe not occur, appropriate? Therefore, regarding credit rating, you have demonstrated your ability to swiftly pay-off reports to prevent managing them. Thus, slightly reducing your credit rating. One exemption, of course, is if you’re over extended to start with. Pay-off what’s necessary to make your credit profile look great. Then handle the residual credit.
7. Cannot Close records
even although you pay-off revolving debts, usually do not shut the account. The longer a free account is open without unfavorable reports, the greater it reflects within total credit history. That is as a result of the weighted-average within the credit score formula. Many credit experts recommend a balance of 30percent of the credit limit. Which is ideal. But you can get as high as 70per cent whilst still being keep a healthy
credit rating.
8. No New Credit
you should be aware in your credit behavior if you want the greatest credit history. Therefore, aren’t getting any new credit unless its essential. Each time you submit an application for credit, an inquiry is added to your report. This frequently drops your credit scores
lightly. When you have fresh credit, there isn’t any background
how you will manage (or spend) this account. For that reason, it is a higher danger which leads to a fall in your credit history. Remember, your credit score is mostly about threat assessment. This is what you do: get credit for the housing, transportation, university or continued education and 3-5 bank cards. That is truly
all you need private credit. If you like more credit, demand a credit limitation enhance on your own present cards rather than
apply for brand new people.
9. Preserve A Mix of Credit kinds
If you explain to you can handle different sorts of credit at exactly the same time, you are rewarded with a fantastic credit rating. This means that, get installment loans like automobile, unsecured loan or home loan. Get revolving credit like bank cards: Visa, MasterCard, Sears, Sunoco gasoline, and Costco. By mixing it, you display you are able to handle your credit since you have temporary and long haul credit with a fixed repayment. As well as a “variable” payment on your own bank cards. Keep these accounts available with a balance of 70% or less and compensated on time and you may witness your credit rating climb to great levels.
10. Don’t File Bankruptcy or Foreclosure
here is the obvious advice: Never file for bankruptcy or property foreclosure. These stay on your credit history for ten years and constantly decrease your credit history. The older the bankruptcy or foreclosure account becomes, in conjunction with re-built credit score, the less of a visible impact they play on your credit score.
Contrary to preferred opinions, you’ll legally erase a bankruptcy and foreclosure. It isn’t easy. But it’s possible. See the advanced methods for that option. To rapidly rebuild your credit history after a bankruptcy or foreclosure, use the Round Robin method above and get secured bank cards. You will also get a car loan or home loan following bankruptcy.
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Susan Mill

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Understanding a credit score?

a credit score is a three digit quantity that is derived from a variety of elements on a credit file. Most lending establishments will use FICO results to determine credit history. (The acronym FICO originates from the brand name of a credit rating calculation produced by Fair Issac & Co in1956.) Every person has three FICO results, one from each one of the three national credit agencies: Equifax, Experian, and TransUnion. Even though the ratings tend to be similar, occasionally discrepancies on one report may throw off your credit history.

Credit scores range between 300 to 850: the greater the score, the lower the identified risk. Relating to Experian, the typical rating is between 650 and 700. Such a thing over 700 often indicates good credit management.

Fico scores frequently play an intrinsic role whenever banks choose if you’re going to be authorized for a loan. The ratings will even affect your rate of interest. Often the lower the credit history, the bigger the attention.

A few key factors, each holding its own body weight, figure out a credit history. Relating to Experian these generally include:

Repayment History: belated payments negatively influence your score. Thirty-two % of one’s credit history is because your repayment history

Utilization: Twenty-three % of your rating is situated upon your credit accounts. If you are using huge portions of one’s general offered stability, that is taken to indicate credit risk

Balances: The amount of reported balances impacts 15 per cent of rating. Recent increases in balances can be an indication of threat
Depth of Credit: The length of your credit history and the forms of reports you carry makes up 13 % of your credit rating. A good mix of reports, including instalment loans and revolving accounts, might have an optimistic affect your score
Current Credit: Ten percent of credit history is situated upon the number of recently exposed accounts and credit inquiries. Trying to get a number of new reports can be an indication of credit threat

Offered Credit: the littlest element considered can be obtained credit. Seven percent of overall rating reflects your account balances.

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Image from web page 482 of “Crisis” (1910)

Some cool good credit bank card images:

Image from web page 482 of “Crisis” (1910)
good credit charge card
Image by online Archive Book Images
Identifier: crisis0506dubo
Title: Crisis
Year: 1910 (1910s)
Writers: Du Bois, W. E. B. (William Edward Burghardt), 1868-1963, ed National Association the development of Colored folks
Topics: African People In The Us
Publisher: [New York, Crisis Pub. Co.]
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign

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Text Appearing Before Image:
s an umbrella. Self-emptying andpositively unleakable. Absolutely guarantee<l for five years.Hustlers—east, north, west, soutli—coining money. Orders,orders, eveiTwhere. Defectively desired, eacerl.v purchased, for, remem-ber, totally 70per cent of homes haven’t any bathrooms. Immense profitsfor you. Two sales per day means $.S00 per month. Heresproof—real evidence. Will Gunokel, Ohio, got 0 well worth oforders very first week. A. BeiTilder, Kansas, made in fourhours. Hamllnton, of Wyo., made first couple of times. Hun-dreds that way. Nice, permanent, interesting work. This is simply not idle tiilk. Make myself prove it. Wrfte a post-card. Let me write you an extended letter. Then decide. No ex-perience needed, no capital. Your credit Is good in the event that you meanbusiness. Hut you really must be committed, you need to want tomake cash. Thats all. Write a postcard today. We wantto pay you sixty dollars weekly. Product Sales Mgr., THE ROBINSON MFG. CO. Ill Vance Street Toledo, Ohio Mention The Crisis. THE CRISIS Vol. 6—No. 4 AUGUST, 1913 Wkole No. 34

Text Appearing After Image:
SOCIAL UPLIFT. COLLOWING close upon Pennsylvanias•■- extra ,000 to its initial ap-propriation of ,000 for an emancipationexposition, Illinois passed a bill granting,000 for the same purpose. This makesthe fourth Northern State—New Jerseyand nyc- being others two—tomake an endeavor to mark in a suitable mannerthe fiftieth 12 months because the emancipation ofslavery, maybe not within their particular common-wealths, because of it is more than half a centurysince slavery expired in every of the Statesmentioned, but in the usa. InArkansas and other south says effortsare being produced by coloured individuals to securefrom their particular legislatures recognition of theemancipation, and many ChicagoNegroes tend to be using the effort in a re-newed work to secure from Congress anappropriation for a national celebrationAvhich will make this or next year anepoch into the history of the Negro. An interesting function of this Illinois billis that, as opposed to the New York com-mission, whic

Note About Images
Please note why these images tend to be extracted from scanned web page images that’ll have already been digitally enhanced for readability – color and look of the pictures may not completely look like the first work.

Image from page 712 of “Baltimore and Ohio staff members mag” (1920)
good credit bank card
Image by Web Archive Book Images
Identifier: baltimoreohioemp11balt
Title: Baltimore and Ohio staff members mag
Year: 1920 (1920s)
Writers: Baltimore and Ohio Railroad Company Baltimore and Ohio Railroad Company
Topics: Railroads — Workers — Periodicals Railroads — United States — Staff Members
Publisher: [Baltimore, Baltimore and Ohio Railroad]
Adding Library: University of Maryland, College Park
Digitizing Sponsor: LYRASIS Members and Sloan Foundation

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Text Appearing Before Image:
CHRISTMAS DRAWINGS BY LITTLE RAILROADERSNos. I and 3 had been attracted by George ChiUcoat; 2-by A. J. Janushek, Jr.; 4-MiUard Traband, Jr.; s-Estelle Barnes; ,6-byalittIeRAi^oader whose^we lost. If they wUl send Aunt Mary their title, we wilt provide the correct credit next mag; 7—Evelyn Luh; 8—Lillian Reay , 9—S^ersetWaters- 10—John Gianfagna; 11—Claude Pahn; 12—William Robinson; 13—Fannie Keith; 14—Elsie Elizabeth Glanzer; 15—Mildred Luh, 16—Lula Grace Ireland; 17—Octavia Getz; 18—Ruth Troiell; 19—Lena Hoppe Baltimore and Ohio mag, December, 1923 29

Text Appearing After-image:
Let me reveal that beautiful problem from TheMajor, that we guaranteed you final month.this might be really and undoubtedly a difficult one. Thelittle people who send in the answerswill receive three post cards this month,for this is more difficult than usual. You willbe pleased to understand that Major has alsosent to Aunt Mary numerous brand-new postcards for the little puzzlers. Now, who willbe the first to win the 3. First, I think that Id better ex-plain the problem. It is known as a deletion.If we look-in our dictionaries we look for thatthe word removal indicates the act of erasingor of blotting completely. That is what we do withthe term which the Major features selectedbelow. For example, make the term BEADand one. Take-out the letter a. This leavesword number two, or BED, out of this takeout the letter d, making word number four,or BE. Number four would be the page e, withthe b erased or ta^ren aside. Another good example could be the term LADY,which we could, by deleting one-letter at atime, modification to-LAD, then AD, then A.And so it’s in

Note About Pictures
Please note that these photos are obtained from scanned web page images that will were digitally enhanced for readability – color and appearance of those illustrations might not completely resemble the first work.

Image from web page 173 of “Baltimore and Ohio employees mag” (1920)
good credit credit card
Image by Web Archive Book Images
Identifier: baltimoreohioemp10balt
Title: Baltimore and Ohio staff members magazine
Year: 1920 (1920s)
Authors: Baltimore and Ohio Railroad Company Baltimore and Ohio Railroad Business
Subjects: Railroads — Employees — Periodicals Railroads — United States — Employees
Publisher: [Baltimore, Baltimore and Ohio Railroad]
Contributing Library: University of Maryland, College Park
Digitizing Sponsor: LYRASIS Users and Sloan Foundation

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Text Appearing Before Image:
cted contains the 2 ^rdsThey see, the clear answer becoming The eyes.Anonyme, today a famous ny lawjer,composed that anagram and absolutely nothing he hasproduced in the lengthy and honorable careeras a puzzler has actually declined even more credit uponhim. A. Blokhed could be the writer of this one—A no-cost clan then decided one point, theanswer being The Diclaration of Indepen-dence. Arty Fishel, a famous puzzleeditor, composed that one: Govern, cleverlad; the answer becoming Grover Cleveland.If you take the letters during these threeexamples you will see that by transposingthem they make exactly the answers; andthat the puzzles themselves have actually a decidedrelation towards the answers. Within our number 5 in thisissue it really is quite evident, from the puzzleitself and from verse that follows, thatthe answer has some thing to do with Ire-land, and with that hint the answer shouldbe painless. A Hexagon, as its title imphes, is a formpuzzle with six sides. The hexagon is made(Continued on web page 3J.) 22 Balti more and Ohio Magazine, July, ig22

Text Appearing After-image:
General management Scheer Addresses JuneMeeting of Baltimore Division Veterans General Superintendent Transportation Curren, SuperintendentHoskins and District Master Mechanic Galloway also Speak THE June meeting associated with the BaltimoreDivision Veterans had been known as to orderby President J. A. Wall, just who im-rnediately asked that people present standfor thirty seconds in quiet tribute to thememory of dead Brother Kelly. After a brief business meeting which wasparticipated in by a good many of this mem-bers and which evoked much enthusiasm,President Wall labeled as on E. W. Scheer,general supervisor, Eastern Lines, for theaddress regarding the evening. Mr. Scheer stated laughingly he feltthat he’d an unique to speak as aVeteran mainly because which he had beensent a card as an honorary member for theyear 1922 and later on had gotten a billfor dues as an active member, which hepromptly compensated. (which shows theastuteness of this financial secretary of thechapter, Mr. Harrigan.) Mr. Scheer

Note About Pictures
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Five Credit Card Mistakes Costing You Points

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Web2Carz Assessment – Good Credit & Bad Credit Automobile Financing

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Web2Carz is a good spot to make an application for an auto loan no matter if your credit actually top! One reasons why we reviewed blogging platforms Carz is really because obtained a A+ score in the Better Business Bureau internet site (at the time of causeing this to be video clip), that will be truly impresive, as there are numerous businesses in the loan business that have more lower ratings that a C+ – so huge kudos to Web2Carz for providing an excellent solutions!

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Sweet Second Mortgage pictures

Some cool second home loan photos:

Image from page 71 of “Æsop’s fables : with well over 100 and fifty emblematical devices” (1839)
second mortgage
Image by online Archive Book Images
Identifier: sopsfableswith00crox
Title: Æsop’s fables : with up to one hundred and fifty emblematical products
Year: 1839 (1830s)
Authors: Croxall, Samuel, d. 1752
Subjects:
Publisher: Philadelphia : Thomas, Cowperthwait & Co.
Contributing Library: Boston Public Library
Digitizing Sponsor: Boston Public Library

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Text Appearing Before Image:
ture of which costfifty thousand even more ; along with his gardens were pro-portionably magnificent. Besides which, hethought himself under essential of buyingout two or three tenements which endured in hisneighbourhood, that he may have elbow-roomenough. All this work he could very well keep ; andstill might have been pleased, had it perhaps not already been foran unfortunate view that he one day happen-ed to just take of my Lord Castlebuilders home gardens,which contains twenty acres, whereas hisown weren’t above twelve. From that timehe grew pensive ; and, ahead of the ensuing v.in-ter, offered five and thirty years buy for adozen acres more to enlarge his gardens; builta handful of inflated greenhouses, and a largepavilion within further end of a terrace-walk.The bare fixes and superintendencies of allwhich demand the remaining part of their income.he could be mortgaged quite deep, and pays no body ;but, becoming a privileged person, resides altogetherat a private cheap lodging in City of West-minster. 56 FABLE XXVII.

Text Appearing After-image:
THE FOX AKD THE LIOW. X HE very first time the Fox saw the Lion, he feDdown at his legs, and was prepared perish withfear. The 2nd time, he took courage, andcould also keep to check upon him. The thirdtime, lie had the impudence ahead to him,to salute him, also to come into familiar con-versation with him. APPLICATION. With this fable we might observe the two ex-tremes where we might fall, on a proper be-haviour towards our superiors: the main one is abashfulness, proceeding either from a viciousguilty head, or a timorous rusticity ; one other,an over-bearing impudence, which assumesmore than becomes it, and thus makes the per-son insufferable on conversation of well-bredreasonable men and women. But there is however this differencebetween tlie bashfulness that comes from a wantof training, in addition to shamefacedness that ac- FABLE XXVII. 57 companies aware guilt; the initial, by a con-tinuance period and a nearer actjuaintance,may be ripened into a suitable liberal behaviour ;the other no quicker fin

Note About Pictures
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Details on MasterCard

mastercard
by Net Archive Book Images Bank card today have a large

influence en route we all live our life. And also with the appeal of on the internet shopping enhancing everyday, the relevance of bank card is predicted to grow much more.Credit card is likewise understood as plastic money; these charge card are standby for cash money. It is truly simple and also simple to fit this credit card inside your wallet instead of you bring a large amount of money. In truth better, you could get all kinds of items and also solutions by utilizing your with credit history card & if you require cash, than you could quickly withdraw cash from the ATM.One of the worldwide prominent market players, that are among the leaders in this payment method is MasterCard.

MasterCard bank card and also debit cards are both brand names marketed by MasterCard Incorporated. With MasterCard network spread across in almost 210 nations, it is just one of leading and demanded credit rating cards in the whole universe and it’s the number 2 settlement system in the USA. MasterCard is a well-known credit rating card business. If you own any type of among their 3 personal debit cards, than it indicates that, due to the fact that of their standing and their stature, you can use MasterCard bank card just about anywhere! There are 3 individual MasterCard debit cards you could pick from: Requirement, Gold & Platinum. While the Standard MasterCard bank card is simply that-it’s extremely basic; the Gold & Platinum credit scores cards & are extremely alike, although with a lot more choices.The MasterCard debt card is extremely popular as well as is just one of the leading brand names. Worldwide called MasterCard, they are one of the most favored and trustworthy bank card with the users. MasterCards are given by several companion banks as well as they are intended to numerous financial and also credit rating situations.Standard MasterCard charge card is easily available and they are released for. They are the most basic sort of credit report cards. MasterCard Charge card along with incentives factors ‘plan are provided for the benefit of few teams of
people. You get incentives in regards to affordable costs or factors whenever you acquisition products or solutions utilizing your MasterCard. Bear in mind, whatsoever MasterCard you choose, you could never ever go incorrect with a wonderful business look out for you! They comprehend just what you; as the client want & require and also they exist to supply it to you! Have a look at some exciting plans and systems on MasterCard.

Wait no more!! Gulf Cash Mart speaks about Mastercard.

Kind Mortgage Loan photographs

Some cool home loan images:

Image from web page 1196 of “Le quincaillier (Juillet-Decembre 1905)” (1905)
mortgage loan
Image by Web Archive Book Images
Identifier: lequincaijuidec1905mont
Title: Le quincaillier (Juillet-Decembre 1905)
Year: 1905 (1900s)
Writers:
Subjects: Commerce
Publisher: Montréal :
Adding Library: Fisher – University of Toronto
Digitizing Sponsor: University of Toronto

View Book Page: Book audience
About it Book: Catalog Entry
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Click on this link to view book online to see this illustration in framework in a browseable on the web type of this guide.

Text Appearing Before Image:

Text Appearing After-image:
OUS remercions nos clients de leur encoura-gement passe et soUicitons de nouvellescommandes de tout le Commerce du DistrictdOttawa — Nos facilit^s sont exceptionnelles.Nous tenons un gros stock dans toutes leslignes et nos ventes annuelles d^passent un millionde bucks P. S, — Nous sommes toniours disposes a. ajouter a la liste de nos fournisseursexportatevrs. ^ ^ ^ ^ ^ ^ ^ ^ S. J. SIGNIFICANT, Limited i8, 20, 22 Rue York, = = OTTAWA, could. 82 LE PKIX OOURANT Divers Can. North West Land [com.] . 400Can. North West Land [pref.] .. 99J Montreal Loan & Mortgage .. .. 135Montreal. Light temperature &. Power [ex-div.] 92 Richelieu & Ontario Navigation 71per centWindsor resort 90 Valeurs industrielles Canadian General Electrical 152 Canadian Rubber t50 Dominion Coal [com.] 76i/^ Dominion Coal [pref.] . … 116Dominion Textile [pref]. . . . 97^Dominion Iron & metal [com.] . .21!Dominion Iron & Steel [pref]. . 70 Intercolonial Coal [com.] 81 Intercolonial Coal [pref.] 91 Lake regarding the Woods i[

Note About Pictures
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Image from page 101 of “Waynesburg, successful and stunning : a souvenir pictorial tale of the biggest and best little town in Pennsylvania” (1906)
mortgage loan
Image by online Archive Book Images
Identifier: waynesburgprospe00high
Title: Waynesburg, successful and gorgeous : a souvenir pictorial story of the biggest and greatest small town in Pennsylvania
Year: 1906 (1900s)
Writers: High, Fred. cn
Topics:
Publisher: Waynesburg, Pa. : Issued by F. Tall
Adding Library: University of Pittsburgh Library System
Digitizing Sponsor: University of Pittsburgh Library System

See Book Webpage: Book Viewer
About that Book: Catalog Entry
View All Pictures: All Graphics From Book

Click to view guide online to see this illustration in context in a browseable internet based type of this book.

Text Appearing Before Image:
Citizens Bank Building, Cor. Washington and High Sts. (The old Campbell place) THE CITIZENS NATIONAL BANKOF WAYNESBURG,PENNSYLVANIA SEPTEMBER 4, 1906 VV. P. HosKiNSON, President Dennis Smith, Vice-President J. C. Garard, Cashii RESOURCES Loans and DiscountsU. S. Bonds banking-house & FixturesCash and ReserveRedemption Fund ,777,146 79 75,000 00 69.756 30 242,645 62 3,750 00 ,168,298 71 LIABILITIESCapital inventory Surplus and Undivided ProfitsCirculationDividends UnpaidDeposits S200,000 00 807.576 81 74.500 00 422 00 1,085,799 90 ,168,298 71 DIRECTORS W. P. HOSKINSOND. L. DONLEV T. ]. HUFFMAN HON. R. L. CRAWFORDT. J. WISECARVER DENNIS SMITH C. E. BOWER DR. J. T. ULLOM T. P. MOFFETT D. C. CUMPSTON J C. GARARD On roll of National Banks associated with the United States; first in Greene County, thirteenth inside State, thirty-sixth in the usa.

Text Appearing After Image:
Union Deposit lV Trust Company UNION DEPOSIT & TRUST COMPANY REPORT MAY 26, 1906 SOURCES financial loans and Discounts shares, Bonds and Mortgages Furniture and Fixtures Overdrafts Cash and Due from Banks Total LIABILITIES 7,024 29 Capital inventory 5,000 00 100,851 85 Surplus Fund 110,000 00 6,042 78 Undivided earnings 2,751 76 681 44 expenses Re-Discounted 33,500 00 39.994 48 Due Depositors 373.343 08 4,594 84 Total 4,594 84 R. F. Downey, President OFFICERSThomas S. Crago, Vice-President W. D. CoTTERREL, Treasurer DIRECTORS R. F. DOWNEY JOHN VV. DONNAN D. K. PHILLIPS J. W. CLOSSER S. W. SCOTT CHAS. V. GARRISON VIRGINIA E. SOUTH THOS. S. CRAGO N. H. BIDDLE H. K. BARB VV. J. BAYARD

Note About Photos
Please be aware that these images are extracted from scanned page images that could were digitally improved for readability – color and look of those illustrations cannot completely resemble the initial work.

What is Consumer Credit Counseling?

What is Consumer Credit Counseling?

Credit Counseling Services can provide lower monthly payments on credit card debt and other unsecured bills. One phone call can quickly help you learn for yourself if you qualify and understand just how much lower your payments can be.

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Credit Counseling is often referred to as a form of debt consolidation because you combine all of your payments that are in the debt management program into one payment.

LEARN MORE ON CREDIT COUNSELING:

Credit Counseling Services Help Lower Your Monthly Credit Card Payments

5 Ways to Compare Credit Counseling with Debt Settlement

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