“Now My Credit Score Is Excellent!”

“Hi my name is Helon and I live in Katy, Texas and for the past seven years I’ve been a letter carrier. Before I came to National Credit Federation I was getting declined for things.

I tried to apply for a car with my credit union and I was declined due to certain things like having medical bills and a broken lease. It was just crazy and I got really tired of being denied. I met with Harry Bradley and he introduced me to Krista. Working with Krista was an excellent experience.

Now my credit score is excellent and I was able to purchase a home that was $201,000, 100% financing on an FHA loan, I purchased a 2011 Jaguar, I was approved for a Home Depot card, an Exxon credit card, and everything has just been wonderful since I met Krista and joined National Credit Federation. Everything is just wonderful. I know I was in the 500’s but the broken lease was really hurting me as well as the medical bills.

When Krista attacked them, by the third round, we started to get some great results. She was always very honest with me, I didn’t have any problems. I would call her, and if I couldn’t get her right then and there, she would call me back. If I called and she didn’t answer I would email her and sometimes she would email me before she was able to call me back, answering me back in like 10 minutes, and I was like “Wow she’s still working.”

Krista and I cried together, laughed together, and we rejoiced together and she’s an excellent person.

Thank you National Credit Federation for giving me my life back!”

-Helon

Katy, TX

What to do if you realize you’re unable to pay your credit card bills — it starts with a strategy and a phone call…

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Here are 10 things you may not know about this roly-poly rodent:

  1. Groundhogs (aka woodchucks) are among the few animals that are true hibernators, fattening up in the warm seasons and snoozing for most of three months during the chill times.
  2. While hibernating, a woodchuck’s body temperature can drop from about 99 degrees to as low as 37 (Humans go into mild hypothermia when their body temperature drops a mere 3 degrees, lose consciousness at 82 degrees and face death below 70 degrees).
  3. The  heart rate of a hibernating woodchuck slows from about 80 beats per minute to 5.
  4. Breathing slows from around 16 breaths per minute to as few as 2.
  5. During hibernation—150 days without eating—a woodchuck will lose no more than a fourth of its body weight thanks to all the energy saved by the lower metabolism.
  6. During warm seasons, a groundhog may pack in more than a pound of vegetation at one sitting, which is much like a 150-pound man scarfing down a 15-pound steak.
  7. To accommodate its bodacious appetite, woodchucks grow upper and lower incisors that can withstand wear and tear because they grow about a sixteenth of an inch each week.
  8. If properly aligned, woodchuck upper and lower incisors grind away at each other with every bite, keeping suitably short; when not in good order, they may miss one another and just keep growing until they look like the tusks on a wild boar; if too long, a woodchuck’s upper incisors can impale the lower jaw, with fatal results.
  9. Woodchuck burrows, which the animals dig as much as 6 feet deep, can meander underground for 20 feet or more, usually with two entrances but in some cases with nearly a dozen.
  10. Burrows provide groundhogs with their chief means of evading enemies, because the rotund little guys (just before hibernation, a hefty woodchuck may tip the scales at 14 pounds) are too slow to escape most predators in a dead heat: the rodents have a top speed of only 8 mph, while a hungry fox may hit 25 mph.

Bonus Fact: Although groundhogs may not be the best weather predictors, they do in fact emerge from dens in early February. This is the practice of males as they rouse themselves to wander around their 2- to 3-acre territories in search of burrows belonging to females, which the males will enter and where they may spend the night. Research suggests that no mating takes place at this time; the visits probably just let the animals get to know one another so that they can get right down to the business of breeding when they emerge for good in March. Outside of the mating season, woodchucks are solitary, except for females with young, which usually are born in early April.