financial wellness
Credello: The Pros and Cons of Using a Credit Repair Company
NEW YORK (Newswire.com) – Credello: Maintaining a healthy credit score is crucial in today’s financial landscape. Your credit score significantly determines your eligibility for loans, credit cards, and rental applications. It reflects your creditworthiness and how likely you are to repay borrowed funds. However, circumstances such as late payments, high credit card balances, or errors on your credit report can negatively impact your credit score. In such situations, you might consider seeking assistance from a credit repair company. But is it the right choice? Let’s explore the pros and cons of using a credit repair company so you can make an informed decision.
Understanding the Impact of Payment History on Your Credit Score
Before delving into the topic of credit repair companies, it’s essential to understand how payment history can affect your credit score. Your payment history contributes to a significant portion of your credit score calculation. When evaluating your creditworthiness, lenders and credit bureaus consider late payments, missed payments, and defaults. Consistently making on-time payments reflects positively on your credit score, while a history of late or missed payments can lower it significantly.
The Role of Good Credit History Length
Another crucial aspect of your credit score is the length of your credit history. Lenders prefer borrowers with a longer credit history as it provides them with a better understanding of your financial behavior over time. A longer credit history allows lenders to assess your reliability and ability to manage credit responsibly. Therefore, maintaining a good credit history length is important for a favorable credit score.
Pros of Using a Credit Repair Company
- Expertise and Experience: Credit repair companies have professionals with in-depth knowledge of credit laws, regulations, and the dispute process. They can navigate complex credit reports, identify errors, and provide guidance on improving your credit score.
- Time and Effort Savings: Repairing your credit can be a time-consuming and complicated process. Credit repair companies take the burden off your shoulders by handling the necessary paperwork, negotiations, and follow-ups with credit bureaus on your behalf.
- Access to Resources: These companies often have access to resources, such as credit report monitoring tools and industry contacts, that can assist in identifying and resolving credit issues efficiently.
Cons of Using a Credit Repair Company
- Cost: Credit repair services come at a price. While the fees vary, some companies charge substantial upfront fees or monthly payments, which can add up over time. It’s important to carefully evaluate the cost against the potential benefits.
- No Guaranteed Results: Credit repair companies cannot guarantee specific outcomes or instant improvements to your credit score. While they can assist in disputing errors and inaccuracies, the effectiveness of these efforts can vary depending on individual circumstances and the cooperation of credit bureaus.
- Personal Involvement: It’s crucial to remain actively involved in the credit repair process, regardless of whether you engage a credit repair company. You should review your credit reports regularly, provide accurate information, and follow up on progress made by the company.
Bottom line
The decision to use a credit repair company depends on your unique financial situation and personal preferences. If you are overwhelmed by the complexities of credit repair, lack time, or feel uncertain about navigating the process independently, a credit repair company can provide valuable assistance. However, weighing the costs, considering alternatives, and remaining actively involved throughout the process is crucial.
About Credello
Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com.
Source: Credello
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Lifestyle
Von Miller and GlassesUSA.com team up to launch an AI-designed eyewear collection
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ATLANTA, Feb. 19, 2025 /PRNewswire/ — GlassesUSA.com, a leader in the online eyewear industry, has just unveiled Drop 2 of its collaboration with NFL icon Von Miller. This collection showcases the results of a design process that leverages AI technology to reimagine every detail of the eyewear collection.
A fierce competitor on the field and a style innovator off it, Von Miller is the perfect partner for GlassesUSA.com’s mission to lead the eyewear industry through innovation. Together, Miller and the GlassesUSA.com team used AI to create an eyeglasses and sunglasses collection that embodies individuality, confidence, and cutting-edge design.
The Von Miller Eyewear Collection features premium acetate frames, complete with bold colors, innovative materials, and the signature VM logo embedded in the designs. Each pair is available as both prescription eyeglasses and sunglasses, giving customers more ways to express their individuality.
“Eyeglasses is about expressing who you are. I wanted to create something that empowers people to own their individuality,” said Von Miller. “Working with GlassesUSA.com and their AI technology allowed us to design a collection that makes finding your perfect pair of frames easy and exciting.”
This collaboration isn’t GlassesUSA.com’s first venture into AI. The brand has already made waves with its Pairfect Match AI, a cutting-edge tool that helps customers find their perfect frames. Now, the same innovative spirit extends into product design, showcasing GlassesUSA.com’s commitment to blending technology and creativity to revolutionize eyewear.
“At GlassesUSA.com, we leverage AI to develop innovative products and features that enhance the eyewear experience. Von was an amazing partner with an outstanding perspective on eyewear—we couldn’t have asked for a better collaborator on this project.” said Arie Tom, GlassesUSA.com’s CMO.
“We asked Von to imagine the kind of glasses he envisions—frames that push boundaries and speak to his unique sense of style,” said Lihi Kopel, Head of Design at GlassesUSA.com. “With AI, we reimagined how the frames, temples, and even the smallest details could look and feel, and brought it to life, creating something truly exceptional.”
The Von Miller Eyewear Collection is available now, exclusively at GlassesUSA.com. The drop consists of 6 styles and 17 SKUs, There are 4 optics and 2 sunglasses styles included. The color pallet is based on digital colors like digital purple, light green, gray, and metallics.
Customers can use the Virtual Try-On Tool to see how the frames look before purchasing, ensuring a perfect fit. Starting at $78, this collection redefines what’s possible in eyewear design.
Learn more at: Von Miller’s official glasses collection, exclusively at GlassesUSA.com.
About GlassesUSA.com:
Founded in 2007, GlassesUSA.com, a subsidiary of the Optimax Eyewear group, has quickly become one of the leading direct-to-consumer online eyewear retailers in the United States. We offer the largest selection of styles and brands, with over 10,000 styles of glasses, sunglasses, and contact lenses, making it easy for everyone to find their perfect pair. Our mission is to enhance our customers’ lives by delivering eyewear tailored to their unique needs, style preferences, and budgets.
By controlling the entire supply chain, from product design and manufacturing to optical lens production and the digital shopping experience, GlassesUSA.com provides exceptional savings, offering high-quality eyewear at up to 70% off traditional retail prices. Our broad selection includes popular brands like Ray-Ban, Oakley, Prada, and Gucci, as well as our own brands such as Muse, Ottoto, Revel, and Amelia E., starting from just $29, including shipping. GlassesUSA.com also offers a variety of optical lens options, coatings, and upgrades to meet every customer’s needs.
GlassesUSA.com develops and deploys innovative technology and AI-driven solutions to transform the eyewear industry and offer customers a seamless shopping experience.
GlassesUSA.com’s Tech Suite Includes:
- Pairfect Match AI™: Re-inventing the eyewear shopping experience with the power of AI. Pairfect Match AI™ provides customers with personalized frame recommendations based on their unique facial features, taking into account face shape and style preference.
- Live Try-On: An AR Virtual Mirror that bridges the physical and virtual worlds and enables users to try on thousands of glasses from home with their mobile phones.
Our products are meticulously crafted in our state-of-the-art optical lab in Atlanta, GA, with next-day shipping available across the US. GlassesUSA.com is part of the Optimax Eyewear group.
For more information, please visit https://www.GlassesUSA.com
SOURCE GlassesUSA.com
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Consumer Corner
Bipartisan Legislation Reintroduced to Protect Utilities, Ratepayers from PFAS Costs
The Water Environment Federation supports the reintroduction of the Water Systems PFAS Liability Protection Act, ensuring PFAS producers cover cleanup costs, protecting water utilities and communities from financial burdens.
WASHINGTON /PRNewswire/ — The Water Environment Federation (WEF) has expressed strong support for the reintroduction of the Water Systems PFAS Liability Protection Act. This bipartisan legislation, led by Reps. Marie Gluesenkamp Perez (D-WA) and Celeste Maloy (R-UT), aims to protect water utilities from undue financial burdens associated with per- and polyfluoroalkyl substances (PFAS) cleanup under the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA). The bill ensures that PFAS producers, rather than the public, bear the cost of remediation.
“Water utilities and their customers should not be forced to pay remediation costs for issues they did not create,” said Ralph Exton, WEF’s Executive Director. “We applaud Representatives Gluesenkamp Perez and Maloy for their leadership in championing this critical legislation.”
The reintroduction of this legislation follows the Environmental Protection Agency’s (EPA) designation of PFOA and PFOS – two PFAS chemicals – as hazardous substances under CERCLA. This designation compels water utilities nationwide to remove these chemicals from drinking water, a process that involves significant financial costs.
By classifying PFOA and PFOS as hazardous substances, the EPA’s designation leaves water and wastewater utilities vulnerable to potential lawsuits from PFAS manufacturers. These entities may attempt to shift financial responsibility onto utilities through litigation, increasing operational costs that ultimately affect ratepayers.
“The Water Systems PFAS Liability Protection Act is a crucial step in ensuring that water and wastewater utilities — and, ultimately, the communities and ratepayers they serve — are not unfairly burdened with the costs of PFAS contamination cleanup,” said Exton. “These utilities are involuntary receivers of PFAS and did not create or profit from PFAS. However, without congressional action, they could be forced to bear immense financial and operational challenges.”
This legislation is necessary to protect utilities after their systems have been involuntarily affected by PFAS, but source control at the industrial and residential levels is a more efficient and cost-effective solution. The Minnesota Pollution Control Agency found that PFAS can be bought for $50 – $1,000 per pound. However, it costs between $2.7M and $18M per pound to remove or destroy from municipal systems depending on facility size.
Originally introduced in the previous Congress by Rep. John Curtis (R-UT), the bill received broad bipartisan support and remains an essential step toward ensuring fair and just accountability for PFAS contamination.
About WEF
The Water Environment Federation (WEF) is a not-for-profit technical and educational organization of more than 30,000 individual members and 75 affiliated Member Associations representing water quality professionals around the world. Established in 1928, WEF’s mission is to inspire the water community in pursuit of human and environmental well-being. WEF’s goals are to attract and develop a passionate workforce, cultivate a purpose-driven community to sustainably solve water challenges for all, and lead the transformation to the circular water economy.
SOURCE Water Environment Federation
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Lifestyle
A How-To Guide for Participating in Clinical Trials
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(Family Features) Clinical trials help researchers studying chronic conditions answer important questions about the diseases and their treatment options. However, uncertainty about what to expect and a lack of knowledge about how to get started can prevent patients from joining a clinical trial.
Choosing to take part in a clinical trial means helping a study team figure out if a new method of diagnosis, treatment or prevention is effective. If you live with a chronic condition, such as Crohn’s disease or ulcerative colitis, and want to help find answers for others who share your experience, a clinical trial is an option to consider.
Once you identify a study that interests you, you’ll want to talk with the professionals involved in your ongoing treatment, a clinical research coordinator and your family to gather information necessary to determine whether the clinical trial is a good fit.
To find additional information about clinical trials and begin exploring trials in your area, visit crohnscolitisfoundation.org, and consider these steps for participating in a trial.
1. Talking with Your Doctor
Your gastroenterologist and other care providers can help determine whether a clinical trial is right for you and may be able to help point you toward recommended trials. It’s important to ask if or how your doctor will continue to be involved in your care if you participate in a trial.
2. Finding a Study
If you need help beyond your care team in identifying clinical trial opportunities in your area, organizations dedicated to your condition can be a good resource. For example, the Crohn’s & Colitis Foundation offers an online Clinical Trial Finder for individuals with inflammatory bowel disease.
3. Talking with the Research Coordinator
A clinical trial research coordinator can provide details specific to your circumstances and needs. You can discuss potential benefits and risks, why the trial is being conducted and who is involved in the health care team. You can talk about past treatments and how this study may differ from your previous experiences. Other questions you might ask include what your options are if the trial doesn’t work, any costs you might expect and what your personal commitment will be.
4. Evaluating the Fit for You
Once you have the necessary information, you’ll be able to consider whether you’re ready to move forward with registering for the trial. You’ll want to weigh factors like your time commitment, travel distance and whether the trial will affect your personal or professional obligations.
Photos courtesy of Shutterstock
SOURCE:
Crohn’s & Colitis Foundation
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