Maniolas

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The fact of the filing itself can remain on the credit report for 10 years from the date it was filed. A debtor interested in re-establishing credit after bankruptcy should obtain credit reports from the 3 largest credit reporting agencies, (Experian, Equifax, and Trans Union) and ensure that the account balances have all been zeroed out. If not, the debtor should contact the credit reporting agencies and ask that the record be corrected Methods of Re-Establishing Credit A debtor seeking to re-establish credit should consider applying for a secured card, usually a Visa or Master Card. This is a credit card issued by a bank to a customer who is required to establish a savings account at the bank, which is used as security or collateral for the card. Typically, the limit on the card is based on the amount of collateral put up in the form of the savings account. Often, the bank will have an annual fee. The benefit of the secured card is that banks will issue them to persons with poor credit reports in the past, but who have the ability to pay the deposit to secure the account. Major store cards are also a good addition to building credit. Once you have a major credit card, even a secured card, it’s usually all that’s required to open an account at a Read More …

Janice de Belen encourages her kids to express themselves, to share their opinions and feelings

Gabby Barredo presents installations about death collectively titled “Opera,” which is on view until Feb. 21 at Silverlens, YMC Bldg., 2320 Don Chino Roces Ave. Ext., Makati City. For information, call 816-0044 or visit www.silverlensgalleries.com. * * * “Images 193” by Edwin Coscolluela Edwin Coscolluela at Galleria Duemila Edwin Coscolluela takes his practice in the domain of kinetic abstraction, offering digitally rendered, process-reliant and design-oriented compositions in “Images,” which opens on Jan. 24 at Galleria Duemila, 210 Loring St., Pasay City. The show runs until Feb. 24. For details, call 831-9990, email gduemila@gmail.com or visit www.galleriaduemila.com. Lifestyle Feature ( Article MRec ), pagematch: 1, sectionmatch: * * * “Benevolent Bench” by Eduardo Olbes Eduardo Olbes at Ayala Museum Eduardo Olbes showcases his stone and wood crafts in  “Sabor a Ming,” which opens on Jan. 25 at the Ground Floor Gallery, Ayala Museum, Makati Ave. corner De la Rosa St., Makati City. The show is in cooperation with Silverlens. The show runs until March 1. For inquiries, call 816-0044 or 759-8288.

What was Pope Francis like before becoming the first Jesuit pope?

Iya Villania on Nikki Gil’s virginity: “…it shouldn’t even have to be an issue because it’s what should be the norm.”