What You Need to Know about Getting Debt Help and Your Credit

As anyone who has trouble making their monthly payments to a variety of credit card companies and other lenders knows, getting debt help in the form of consolidation loans and services can be one of the best decisions you make. However, many people are uncertain about the effects of debt consolidation on their credit score.

Does Your Credit Have to Be Affected by Debt Consolidation?

In theory, getting debt help does not affect your credit score. If you continue to make your payments on time and do not miss any, you should find yourself with the same score that you had prior to your debt consolidation. However, other factors can enter the picture and make a difference to your score (http://www.toptenreviews.com/money/debt/best-debt-consolidation-companies/).

The key to understanding this comes in the form of something called credit utilization, or the amount of your available credit that you have used. Moving all of your available credit balances to a new account will increase your overall available credit without increasing the amount that you owe. Technically, this should improve your credit score by raising your credit limit without raising your credit utilization.

When you get debt help, however, your original credit accounts may find themselves closing as part of the debt restructuring arrangement. This can hurt your credit score by reducing your total available credit, while leaving you with the same amount of debt. Whenever possible, make sure to leave your previous accounts open without using them after your debt consolidation.

How to Use Debt Consolidation to Improve Your Credit Score

As in the example described above, you can improve your credit score through debt consolidation programs if you keep your previous credit accounts open and refuse to use them. Not using the previous accounts is the most important element of this strategy because that is what keeps your credit utilization low. For as long as your use of credit remains favorably balanced with the amount you owe, your credit score should be okay.

Since debt restructuring can have a pronounced effect on your credit score, it is worthwhile to do whatever you can to make it a positive one. Credit utilization can be used to your benefit when approached correctly. If you know that you can keep your credit card accounts open without using them after getting debt help, doing so pays off in the long run.

Looking Younger By Using Phytoceramides

As a woman, you know how important having beautiful skin is and that is because you're generally going to be judged by the way you look everywhere you go. If recently you noticed wrinkles have started to appear on your face, around your eyes and on your forehead, then it's time that you take swift action in order to prevent them from getting more pronounced. Don't worry about having to consider expensive procedures or buy expensive creams that eventually turn out to be just scams, because what we have in store for you is something that’s going to authentically help you look younger.

Why phytoceramides work

If you heard about phytoceramides and you have no idea what they are, well, these are some of the best anti-aging supplements that you can currently buy. After undergoing long tests, the scientific community reported that these claims are indeed real and that if you take these supplements you're actually going to get better looking skin in no time. And if you think there is anything similar on the market today, you're wrong, since these are also fortified with Vitamins A, C,D and E and are therefore a lot more potent than similar solutions.

Vitamin E oil

One of the secrets of beautiful skin is making sure you get enough vitamin E in your body and the easy way to achieve that is by using Vitamin E oil. The latest research shows that Vitamin E can easily help you get more beautiful and younger looking skin that has almost no wrinkles at all, but also prevent skin cancer if you rub this oil on your skin every day. Not only that, but you should also use it under your eyes in order to avoid getting those nasty fine lines that so many people feel self conscious about when reaching a certain age. The reason you need to apply the oil in this area is because it doesn't produce as much of the natural oil required for preventing puffiness.

Foods rich in vitamin E

Eating foods that contain a lot of Vitamin E is very much recommended to improve the tone and texture of your skin. To give you some examples of oils that contain this vitamin, they include wheat germ oil, soybean oil, but also corn oil. However, you should know that it's also possible for you to get Vitamin E from spinach and broccoli and from nuts such as hazelnuts, peanuts, sunflower seeds and of course, almonds.