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7 Things To Know About The At&t Access Card From Citi – Mammograms (breast x-rays) are the best screening tool we have for early detection of breast cancer, which may be easier to treat. After you and your healthcare professional establish a screening schedule, it helps to know what to expect so it can go as smoothly as possible. Here’s what you need to know.

A mammogram is an x-ray of the breast that is used to detect breast changes. X-rays were first used to examine breast tissue nearly a century ago. Today, the x-ray machines used for mammograms produce lower energy x-rays and expose the breast to less radiation than in the past.

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Find a center that specializes in mammograms. The US Food and Drug Administration (FDA) certifies mammogram facilities that meet the highest professional standards of quality and safety. Ask to see the FDA certificate if one is not posted at the receptionist’s desk. And when you find a facility you like, stick with it. Having all of your mammograms at one facility makes it easier for doctors to compare images from one year to the next. If you’ve had mammograms done at other facilities, send those images to your new facility.

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It is best to schedule your mammogram one week after your menstrual period. Your breasts won’t be tender or swollen, which means less discomfort during the x-ray.

Wear a 2 piece outfit as you will need to remove your top and bra. Do not apply deodorant, antiperspirant, powder, lotion, or ointment on or around your breasts on the day of your mammogram. These products may appear as white spots on an X-ray.

The entire procedure takes about 20 minutes. The breast is compressed between two plastic plates for a few seconds while the x-ray is taken. It is repositioned (and compressed again) to take another view. This is then done on the other breast. Flattening the breast is uncomfortable, but is necessary to provide a clear view.

You should get your results within 10 days. If you don’t, you should call to ask about them. If the doctor finds anything suspicious, he may contact you within a week to take new pictures or get other tests. But that doesn’t mean you have cancer. A suspicious finding may simply be dense breast tissue or a cyst. Other times, the image is not clear and needs to be recovered. If this is your first mammogram, your doctor may want to look at the area more closely because there is no previous mammogram for comparison.

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For uninsured or low-income women, free or low-cost mammogram services are available. Some of these programs are held in October during National Breast Cancer Month, while others are offered year-round. Call the American Cancer Society at 1-800-227-2345 to find a program near you.

Technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service expressly requested by the subscriber or user, or for the sole purpose of conducting the transmission of communications over an electronic communications network.

Technical collection or access is necessary for the legitimate purpose of collecting unsolicited preferences from subscribers or users.

Technical storage or access used exclusively for statistical purposes. Technical storage or access used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance from your Internet service provider, or additional records from a third party, information collected or retrieved for this purpose generally cannot be used to identify you.

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Technical storage or access is required to create user profiles to send advertising or to track users on a website or across websites for similar marketing purposes. Available credit—two of the most important factors in calculating our credit scores. However, there are other small factors that many people don’t know about that influence our scores.

Some people pay their mortgage, credit card and car loan bills with unflappable consistency, but ignore their smaller debts. They may think that these debts are less important or that they will go away if ignored. But often they don’t. Municipalities once known to report unpaid parking tickets and library fines to credit bureaus, for example, have largely curtailed that practice. Still, other unpaid debts, no matter how trivial they may seem, can weigh down your credit score.

Your electric or gas bill is not debt, but failure to pay it can damage your credit score. Although utility companies generally don’t report a customer’s payment history, if your account is delinquent and they turn it over to a collection agency, it can show up as a serious negative on your credit report.

It can be tempting to sign up for new credit cards that offer attractive bonuses or other perks. Banks may offer tens of thousands of points or airline miles, while retailers offer in-store discounts when you apply for their credit card. A single application may have little effect, but several in a short period of time can lower your credit score. So limit your number of applications for credit, especially if you’re getting ready to shop for a home, car or student loan, where a strong credit score is more important to getting approved and landing the best interest rate.

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To allow consumers to shop around for the best rates on auto, home and other loans, FICO (the best-known credit scoring system) does not penalize credit reports that show multiple credit inquiries in a short period of time. Different FICO formulas discount multiple inquiries within 14 or 45 days. However, continuing to shop for a loan for several months falls outside this safe harbor and lowers your score.

Do you have a credit card for your business? If you’re the primary account holder on the card, most banks will hold you personally liable for any debts you have on it, as well as report your payment history to the credit bureaus. Late payments or unpaid debts can affect your personal credit, so be sure to use any business cards as judiciously as you would your personal cards.

Inaccurate information in your credit history can hurt your score. People with common names, for example, often find other people’s information in their file. In other cases, typos and clerical errors can adversely affect your score.

This is one of the reasons consumers are encouraged to check their credit reports at least annually and dispute any mistakes they find. You can get free credit reports from the three major credit bureaus, Equifax, Experian and TransUnion, at least once a year through the official website, AnnualCreditReport.com.

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It’s a good idea to check your credit reports from the three major credit bureaus at least once a year to check for errors or missing accounts that you want to see listed. One reason to check all three reports is that they sometimes contain different information, as some of your borrowers may report to one bureau but not others.

In it. Some of your borrowers may not provide information to any of the credit bureaus. For example, not including a credit card with a past record of paying on time on your report could mean a low credit score, but another, if you’ve missed a payment or two.

If you find any such accounts missing from your report, FICO suggests “Ask your borrowers to report your credit information to the credit bureaus” or “Consider moving your account to another borrower who reports regularly.”

No, FICO is the pioneer and leader in credit scoring but not the only company that does it. VantageScore, launched in 2006 by the three major credit bureaus, is also in widespread use. Both FICO and VantageScore have multiple scoring models for different purposes, so prospective lenders and others have a variety of scores to choose from, and no consumer has just one credit score but several of them.

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You have the right to dispute any information on your credit report that you believe is incorrect, and the credit bureau is required by law to investigate the matter and get back to you with its findings. All three major credit bureaus outline the steps you should follow on their websites.

While you can purchase your credit score from credit bureaus and credit scoring companies, you can get free credit scores from several sources. Some banks and credit card companies, for example, offer points to their customers. There are also some reputable websites for this purpose. Keep in mind that you may have multiple credit scores and the one you receive for free may not be identical to the others.

Paying bills on time and never using too much credit are the two most heavily weighted factors on your credit report (usually accounting for 65%).