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Provident Dedicated Services LLC

A multifaceted company that offers solutions and funding, to start ups and small businesses. We only work with the best companies in the field and our products are designed to take you and your company, to the next level.

We have professional creative consultants at your disposal, who have an extensive success record of developing, evolving your product and ideas, by converting transactions into relationships.

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Debunking the Myths: How long does it REALLY take to improve your Credit Score

If you’re like most of, you’ve probably seen the ads and online stories claiming to be able to repair your credit in just days. We here at ProDS hate what a disservice those types of claims create. They build a sense of false hope that just isn’t realistic with the way that credit repair really works.

So, we’ve made it our mission to debunk those myths whenever we see them by giving you the cold, hard facts.

How long does it really take to repair your credit?

Like all things that we try to repair or heal, credit repair takes time. It does NOT happen overnight, no matter what you might hear to the contrary. And just like with an injured bone, the time it takes for repair is dependent on a variety of factors. While a minor sprain can heal relatively quickly, a fracture may take months. Similarly, the scope and damage of your credit history directly correlates to the length of time it will take for your credit to be repaired.

What does this mean in terms of how long it will take for your specific credit repair to take affect? There’s no clear cut answer. However, depending on the steps that you take and the damages on your record, you can expect to start seeing changes within 45 days to 90 days. Working with an experienced company like ours goes a long way towards hitting the lower end of that spectrum.

Steps you can take to begin repairing your credit when you’re in a hurry

  1. Be in the know. The first step on any road to recovery is knowing exactly where the problems exist. Some people might subscribe to the don’t-ask-don’t-tell mentality when it comes to their credit score, but this self-imposed ignorance can have long-ranging negative effects on your credit, thereby driving a slightly negative score lower and lower.
  2. Pay down your debt. Working diligently on reducing your total debt amount is one of the surest ways to improve your credit score. If you prioritize paying down debt, it’s easier to earmark any extra money that you might have towards those bills.
  3. Improve your debt-to-credit ratio. Having a higher percentage of available credit then what you have in debt is also known as credit utilization. One quick way you can do this is by minimizing your debt to 30%. For example, a credit card with a limit of $1000 should only have a balance of $300. Make your payments on time. Even if you have a history of late payments, you can turn that around fairly quickly by beginning to pay on time consistently.
  4. Remove negative and/or incorrect information from your credit report. This is usually a bit more labor-intensive and step that might frustrate, confuse, or not feel worth the effort for some people. Fortunately, there are companies that can help you do this efficiently and expediently. (Find out about how ProDS can help with this here.)
  5. Take advantage of auto-payment plans. This is a simple way to take those payments off of your mind all together while making sure that they happen on time, and at all!

While credit repair will not happen overnight, it can happen much more quickly when you have expert credit repair assistance on your side. That’s where Provident Dedicated Services comes in, so get in touch today!

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Why We Celebrated International Women’s Day All Month Long

Girl With TrophyNo doubt you have enjoyed reading about some of the world’s most influential women in this month’s blog. But why spend an entire month discussing women who inspire change? After all, International Women’s Day is just a single day occurrence, right? Really, though, we hope a month full of blogs featuring special women of all ages and walks of life was inspiring to our readers. 

If you have a daughter, take a moment to reflect on how she is living her life and your hopes for her future. The young women of the world may be tomorrow’s leaders. They may be called upon to fight for the rights of women who can’t do so for themselves. They may affect change that results in better lives for people the world over. Yes, our young women are precious and deserve to be recognized.

Sadly, the world today continues to exploit women of all ages. A Pantene commercial that aired in the Philippines dealt with the issues that women face in the work place. It depicted men as being praised as leaders and dedicated workers. Then women were depicted in the same roles, but the words associated changed to things like bossy or selfish. For today’s girls to be tomorrow’s thinkers and leaders, in business and other aspects of society, they need help to overcome these social barriers.

DiversityWomen also need to be seen as deserving of respect. Certainly, the women we have discussed this month make us pause and wonder at the things they have accomplished. We can’t imagine these women as teenagers sending lewd pictures of themselves to boys at school. This is just one of many areas where young women need to be taught to have enough self respect. It’s not just men who need to respect women. These young women need to learn to respect themselves. Hopefully, some of the women we have discussed this month are motivating young women to break free from these reckless social norms and reach out for a brighter future for themselves and others.

Next month, this blog is all business. Do you want to start a business, but find it difficult to come up with a great idea? Do you have a great idea and are just hitting walls trying to fund it? If you are looking for something to help your business, be sure to come back here in April as we get down to business all month long. 

 
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She Works Hard in Washington for the Hard Working Middle Class

Internatlional Womens DayIt would be tough to consider women who inspire change without discussing the political career of Elizabeth Warren. In 2012, she was elected as a senator for Massachusetts, the first woman ever to hold that position. Her stand on middle class struggles has earned her recognition from organization after organization since 2009. TIME magazine has listed her amongst the most influential people in the world on multiple occasions.

A Harvard Law professor, Warren has used her knowledge and influence to assist families that struggle like hers did after her father suffered a heart attack and the family’s income was reduced as a result. Today, she sees the same struggle for families as they cut costs in things like clothing and appliances to make up for skyrocketing healthcare, mortgages, and transportation expenses. She co-wrote a book along with her daughter explaining why even two-income middle-class families need to get by with less and sometimes still incur a lot of debt.

As a result of the 2008 economic crisis, Warren moved further into the political spotlight as chairperson for the Congressional Oversight Panel that reported on how the government bailout program was working. Subjects such as loans for small businesses and mitigation of foreclosures were addressed by the committee during her tenure as chairperson.

By US Congress (U.S. Government Printing Office) [Public domain], via Wikimedia Commons

By US Congress (U.S. Government Printing Office) [Public domain], via Wikimedia Commons

Along with several other senators, Warren is fighting for the average American worker. Since greater productivity has been required, and cost of living has continued to increase, she is in favor of increasing the nation’s minimum wage to over twenty dollars per hour. The drastic increase would obviously affect many businesses that rely on cheap labor, but the idea is to pay the average working person what they are actually worth regardless of the effect on bottom line for major corporations such as in the fast food industry.

Her latest book, A Fighting Chance, is set for release in April of this year. In it, she continues her crusade for better bankruptcy laws in the US, revealing that many cases are actually for reasons other than health related bills which previous studies claimed made up about half of the nation’s bankruptcies. In her book, she shows the decades long battle that she fought and lost against the powerful banking industry. After failing to defeat Washington bureaucrats, she decided to become one, and reached that goal in 2012. E

lizabeth Warren’s story is one of success and failure as she struggles to inspire change for the average household. Regardless of the outcome, however, Warren is determined to continue speaking out against predatory bankers, and in behalf of the working class.

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She Fights Religion for the Sake of Women

WomensDayVectorImage3While not every religion of the world oppresses women, many have practices and traditions that do. One such practice that is common in Islamic lands, such as Egypt, is female circumcision. Of course, that is the nice name for it and doesn’t really describe the practice properly. It is actually female genital mutilation, and over 140 million women worldwide have been victims of this painful, and dangerous, act. One such victim, Nawal El Saadawi from Egypt, has spent decades of her life trying to protect other women from this practice. 

Her efforts have paid off legislatively speaking. Female genital mutilation became illegal in Egypt as of 2008. But that doesn’t mean that some religiously devoted individuals aren’t practicing it in secret. Some girls are sent to other countries under the guise of studying abroad, only to find out that they are being sent to a place where female circumcision is still legal. There are many other nations where the practice is not yet banned. That’s why Nawal El Saadawi is continuing to speak out.

Her outspokenness against the role that religion has played in many of the practices and traditions that oppress women has earned her numerous death threats over the years. In fact, she had to flee to the United States 1988 after religious extremists threatened her and political persecution increased. 

By Boberger (Own work) [CC-BY-3.0 (http://creativecommons.org/licenses/by/3.0)], via Wikimedia Commons

By Boberger (Own work) [CC-BY-3.0 (http://creativecommons.org/licenses/by/3.0)], via Wikimedia Commons

A prolific author, Nawal El Saadawi has written nearly 50 books that deal with the issues women face in Egypt. In 1972, she lost a prominent position in the medical community due to a book that revealed numerous atrocities being allow to continue. She even spent some time in jail over the controversial commentary on the state of women in Egypt. 

Prostitution and domestic violence are two other controversial topics that the activist frequently comments on in her work. She also tries to make the world aware of the plight of child brides, which is still a practice in some lands, with girls as young as 10 being sold as marriage mates. The practice is illegal in most places and recognized as morally wrong, however, with a strong economic downturn, some families still turn to this solution for quick income. 

Because of the role that religion has played in the oppression of women in Egypt and other lands, Nawal El Saadawi has been campaigning for the end of religious instruction in Egyptian schools since 2011.

Though now in her eighties, Nawal El Saadawi is determined to keep up the fight as long as she has breath in her body. A lifetime of dedication to helping women worldwide is certainly something to commend as we reflect on International Women’s Day and the women who have inspired change around the world.

 
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Big Business Wealth, Supporting Women in the Developing World

March8thVector2When we think of the last name Gates, we generally connect it with Bill and his multi-billion dollar technology corporation: Microsoft. Melinda Gates, however, is more than just the wife of one of the wealthiest men in the world. She helps to run the Bill and Melinda Gates Foundation, and thus supports women across the globe. Consider some of the ways that Melinda Gates is inspiring change for women globally, thus deserving our attention as we continue to reflect on International Women’s Day throughout the month of March. 

Bill Gates wasn’t always as philanthropic as he is today. It wasn’t until Melinda married him in 1994 that charity efforts increased with the formation of the William H. Gates Foundation. She was content to be in the background without her name on the charity organization. The name changed in 1999 to represent the active role that she played. A $30 billion donation from Warren Buffet in 2006 made it possible for Melinda to completely restructure the foundation into three sections. While one was focused in the US, the other two focused on global development and worldwide health. Some of the biggest contributions of the foundation have been in developing more efficient ways to test and treat disease in poorer countries, including some of the biggest health concerns like HIV, TB, and malaria. 

By Bill_og_Melinda_Gates_2009-06-03_(bilde_06).JPG: Kjetil Ree derivative work: Jacek555 [CC-BY-SA-3.0 (http://creativecommons.org/licenses/by-sa/3.0)], via Wikimedia Commons

By Bill_og_Melinda_Gates_2009-06-03_(bilde_06).JPG: Kjetil Ree derivative work: Jacek555 [CC-BY-SA-3.0 (http://creativecommons.org/licenses/by-sa/3.0)], via Wikimedia Commons

In 2012, Melinda Gates made a pledge that will affect women globally. The organization is using more than half a billion dollars to provide women in developing lands with access to contraceptives. They are fighting to implement family planning services across Africa where many women die simply because they have no medical facilities to assist them with pregnancy. The foundation has also provided millions in charity to help give financial support to Latin American women who are at the poorest levels of society. 

Follow Melinda Gates on Twitter to keep up with the latest in advancements for women on the world scene. For example, on March 14th she provided a link to an article about gender equality for women in Tanzania. The foundation also has its own Twitter account which likewise follows global change, such as the March 16th post about efforts to increase awareness in Asia about the benefits of breastfeeding. 

Melinda is living proof that a woman doesn’t have to come from hardship to want to help change lives for others. She is willing to use the large sum of resources at her disposal to improve the quality of life for women globally. That’s why we are taking this opportunity to salute her efforts in behalf of women around the world. 

 
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A Girl Who Would Not Be Denied an Education

International Womens Day - March 8 2014You can’t even think about International Women’s Day without certain important and famous women coming to mind. One important woman that you may not have known of until recently, however, is still in her teen years and is already fighting to make a difference for women on a grand scale. Malala Yousafzai is a 16 year old girl from Pakistan who has fought for women’s rights since she was just 11 years old, specifically the right to be educated. This is important because regions of Pakistan run by the Taliban often refused to allow girls to attend school. Thus, at the early age of 11, Malala started to fight for her gender by telling reporters of their plight.

In 2009, on January 15th, a ban was placed on women attending school in her area. Though some continued to do so, the Taliban would destroy girls’ schools by the dozens. A little over a month later, on February 25th 2009, girls were allowed to return to school. Malala documented all of the events of these months for the world to see in her blog. 

A documentary and several television appearances continued Malala’s efforts to raise awareness for the plight of young girls in Pakistan. At age 14, she received Pakistan’s National Youth Peace Prize (the first to receive the award) which only served to give her a higher profile on the local and world scene. 

By Claude TRUONG-NGOC (Own work) [CC-BY-SA-3.0 (http://creativecommons.org/licenses/by-sa/3.0)], via Wikimedia Commons

By Claude TRUONG-NGOC (Own work) [CC-BY-SA-3.0 (http://creativecommons.org/licenses/by-sa/3.0)], via Wikimedia Commons

The Taliban tried to use fear to quiet this brave young girl. Threats came at her in the form of notes shoved under her door. Death threats were even posted in newspapers. Some threats even came in via Facebook. With Malala undeterred by these threats, the Taliban decided that drastic measures were necessary and actually hatch a plot to assassinate this young teenage girl.

At the age of 15, she was shot. The bullet struck her in the head, causing damage to part of her brain, but fast action on the part of responders to airlift her to a military hospital for immediate treatment kept her alive. She was moved to the UK for treatment, where she made a full recovery.

While she was in the hospital, an envoy from the UN visited her. A petition was launched in her name that demanded all girls be allowed to pursue an education by the year 2015. Then in 2013, Malala was actually able to speak at the UN in person. She was described as a hero by the UN Secretary General. More recently, her autobiography has been publish.

Malala Yousafzai is an example of how a woman of any age can make a difference by standing up for women’s rights. That is why we tell her story this week as we honor some of the women who represent the spirit behind International Women’s Day.

Additional Sources:

http://en.wikipedia.org/wiki/Malala_Yousafzai

http://malalafund.org/

http://www.malala-yousafzai.com/

 

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