The problem: you don't have a mortar box or wheel-barrow to mix up those small batches of concrete. Instead, use the ring method on a slab or sheet of plywood. Put down coarse aggregate on the bottom, followed by layers of sand and cement. Reserve the center for a mixing well. Then add water to the center and pull the ingredients into it with a garden hoe.
There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it’s important to verify its accuracy. Double-check the “high credit limit”, “total loan,” and “past due” columns. It’s a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information. Experian 1-800-682-7654, Equifax 1-800-685-1111, Trans Union 1-800-916-8800