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Linda, one of My Excel School students shared this dashboard link with me and asked if I can show how to construct something like this.
Understand the sources of data: Another tricky part of a dashboard development is to get right data. Prioritize the information: Once you have listed down various metrics, KPIs, information pieces to be used in the dashboard, list them down in the order of priority. Make a rough sketch of the dashboard: Even before you make something in Excel, just make a rough sketch using pen and paper (or MS Paint or PowerPoint). This step becomes easier once you have clarity of vision and listed down what you want (and what you dont want). Arrange the data: For a simple dashboard like this, you can arrange the data in this fashion. Special thanks to Michigan State website for the inspiration & Linda for sharing the link. I think the arrow icons for 'Performance Staying about the same' and 'Performance Declining' are mixed up.
Dave - The special characters can be created using the Character Map in Windows or by learning the keyboard shortcuts (displayed in the corner of the Character Map).
Whenever I am given what seems to be an impossible task in Excel, the first thing I do is go to Chandoo.org. Since the requirement for our Executive Staff is by Group Location, I added a Drop Down List Validation Box with VLOOKUPs to view the data by Group. I can't thank you and the originator of this Dashboard enough for sharing and helping me to continue to build my Excel Skills.
For some reason when I download via the link it advises it is not in excel format - is it possible to get the example workbook emailed directly? I am looking for a score card dashboard for my team with various KPIs mapped and also the process wise performance. Vertex42's free invoice template for Excel is a perfect budget-friendly solution for service companies, consultants, and freelancers.
We designed our free invoice template to be compatible with nearly every spreadsheet program. If you need to provides quotes to your customer, you can use our quote template, which is based on the same design as this invoice.
If you need help with invoice management (keeping track of your invoices), read our Small Business Invoicing article. If you are looking for pre-printed invoice forms because you want to use the white-yellow-pink carbonless forms, you don't have to settle for what you find at an office supply store. You can use a template like the one above and customize your own invoice form with your own logo, company information, and terms and conditions, etc. A note about using an invoice template for Word: Invoices include calculations, and that is why you should use a spreadsheet. Google Docs - This is a list of the most used invoice templates in the Google Docs gallery. It used to be that credit card issuers could raise your rate, even on existing balances, at any time and for any reason.
If the debt is too old, you can simply write to the collection agency, indicate that you believe the debt is outside the statute of limitations, and instruct it to stop contacting you. If you are asking about the ideal number of credit cards to obtain a strong credit score, two is a good number as well, though you can have many more and still maintain a strong credit rating.
Finally, if you have a lot of credit cards already, don’t close them in the hopes that it will boost your credit score.
The best way to help your child is to give him or her some financial literacy materials to learn about how to manage debt.
But my guess is that you may be writing because he or she is asking you for a consolidation loan to help pay off the debt and, while you want to be helpful, you are not sure that’s the route to go. In most cases you are not responsible for another person’s debt when they die, unless you are a co-signer on the account. When a person dies with outstanding debt, the creditor will first look to any co-signers and then to the estate for payment. If you are feeling pressured to pay a debt you are not responsible for, or if you are not sure whether you have to pay your deceased relative’s debt, you may want to contact an estate planning or consumer law attorney. I am retired and Social Security is my only income (or I am on disability and have no income except Social Security Disability).
You may want to talk with a bankruptcy attorney to assess your situation, especially if you have assets such as a home or money in bank accounts outside of retirement accounts.
If you are judgment proof, you will likely be able to stop the creditors or collectors from contacting you by simply writing a letter indicating that you have no income other than Social Security payments and no assets. There is no set number of points that will be deducted from your score for a single inquiry.
In general, inquiries are a small part of your credit score (less than 5%), and the stronger your score, the less likely one or two inquiries are to have an effect on your score. Nevertheless, be very careful about applying for new credit, a cell phone, insurance, or anything that might result in a credit check if you are in the process of getting a mortgage. As far as your credit is concerned, the late payment will likely be considered accurate, since the account is still yours until it is paid off, closed, or refinanced into your ex-spouse’s name. Talk to your divorce attorney to find out what can be done in terms of forcing your ex to live up to the terms of the divorce decree.
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Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies.
Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Please note that our comments are moderated, so it may take a little time before you see them on the page. Can someone please tell me why my credit score should be affected by applying for mortgage refinancing? Some consumer advocates have raised that question over the years, but have never gotten far with it. When an annual credit report is obtained, what information on my credit report do I request to be deleted. My ex-husband took credit cards out on me and I did not know it till he died in 2004.I have tried everything to clear my credit score but can not do it.I had perfect credit till he messd it up I thought you had to have someones permission but he did not have mine so what do I do since he died to say what he did to me?
Why is it that paying cash for a home actually keeps your credit score lower than if you went through a mortgage company and financed. Actually, credit checks for employment screenings are soft inquiries so they don’t affect your credit score at all. Roz – Inquiries remain in your credit reports for 2 years but are only factored in your credit score for the first 12 months.
I HAVE SOME NEGATIVE THINGS ON MY CREDIT THAT I KNOW ISNT MINES AND THE CREDITORS REFUSE TO TAKE IT OFF. Anchor – By law, creditors cannot arbitrarily report inaccurate information in your credit reports, and you have the right to dispute the information under the Fair Credit Reporting Act. If you have inaccurate negative information in your reports, it’s best to include as much documentation as possible to help the credit reporting agencies with the investigation process. If you’re still not getting anywhere with the credit reporting agencies (and the items are inaccurate and do NOT belong to you), you may want to file a complaint directly with the Consumer Financial Protection Bureau (CFPB)— we’ve heard very positive results from consumers that have gone this route.
And finally, if you truly want to work on improving your credit scores, you’re in the right place.
If a case number was issued, that means that your case was official filed and your credit report is accurate that you did file bankruptcy. You can add a statement to your report indicating that you decided not to go through with your case and that you have otherwise paid your debts but the bankruptcy court record will show a case number associated with your name. If there was a large available balance on the card, closing it would close off the available balance and possibly have a negative impact on your revolving utilization percentage. Typically, we’d advise keeping a credit card open and simply avoid using simply because the open credit limit would help your revolving utilization ratio. If my credit card bill is due the 24th and I remember on the 25th and get it paid, does it hurt my credit score less than not remembering to pay it until a week later? Dani – The only way it would affect your score is if the credit card issuer reported the late payment to the credit reporting agencies and it ended up in your credit reports.
I have 2 yrs to go 2015 before charge offs fall from my credit so should I file bankruptcy?????


Vivian – filing for bankruptcy is a difficult decision and not one that should be taken lightly. If a new collection agency buys the debt and reports it, it will not start that time period over again, though a recent collection account can have more of an impact on your credit than an older one. Finally, whether you should consider bankruptcy is something that should be made after a review of your entire financial situation.
If the debt is scheduled to fall off in 2014, the credit reporting agencies have systems in place that will automatically remove these items. Tammy -if the alarm company turns the account over to collections and a collection is reported in your credit report, it will have a significant negative impact on your credit scores. If he threatens legal action, the collection agencies may remove them just to avoid problems. Whether or not your scores will jump depends on how much these factors are affecting your scores.
It is highly unusual no doubt but it can be reported for up to 7 years plus 180 days after you first fell behind with the original creditor. California is a community property state and it is possible that you are responsible for the debts incurred before your marriage ended. The joint debt should not affect your score except that it could suggest that you are carrying too much debt (depending on how it affects your credit utilization).
We suggest checking your credit score and seeing how handling credit as agreed boosts your score. Contact them to see if you can work out a payment arrangement to pay off what you owe.Ask if they will reinstate it if you do so. The fact that is was sold doesn’t shorten the time period that the original information can be reported.
Your collections accounts come off your credit report 7 years and 180 days after the account first went late. It sounds as if you are the victim of identity theft — and you would address it the same way as other people affected by this crime. In corporate environments, your data sources may be spread across and follow their own formats.
Metrics or KPIs that are most important and indicate the overall health of the system (or project, initiative or company) should be on top. You must remove items, metrics and information that is low on value from the end dashboard. The Michigan state government folks have done fine job of listing down the metrics and carefully capturing them and presenting the outlook in a crisp fashion. It is about accurately communicating what has happened, and maybe even provide a reason for why.
I just inserted these symbols in to a cell, then selected the cell contents (F2, select all) and copied them. This blog is started in 2007 and today has 450+ articles and tutorials on using excel, making better charts. For over 65 years, our customers have relied on us for all their sales, parts and service needs. They all include the same basic features and layout, except that three of them allow you to enter a Unit Cost and Quantity for each item. If you do that, you should probably check the Subtotal and Taxable formulas to make sure that the totals reference the correct rows. Unless you create and send a large number of invoices each month, you may not need expensive or complicated invoice software. If you use an invoice form created in Word, you have to use your own calculator to figure out the totals. The Microsoft gallery often requires that you have the latest version of Excel, so that may not be a great solution if you want a general invoice that can be opened by everyone in your company.
How can the credit card companies raise my interest rate if I’ve paid my bills on time?
Call your card issuer and suggest you will take your business elsewhere if you can’t get a better deal.
Every state has a statute of limitations, which governs how long the creditor or collector has to sue you. One should be a low-rate card for times when you must carry a balance, and the other should be a card with a grace period. Generally, it’s a good idea to have at least four credit accounts of different types (for example, a mortgage, car loan, a major credit card and a retail card). If you think your child has trouble handling money, then it is likely you will just be enabling him or her to go a bit longer without having to shape up. It would also be a good idea to have them set up automatic transfer of the payments  to your checking or savings account from your child’s. If, however, that person was your spouse and you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), debts incurred during the marriage are considered community property and you are likely responsible for them. The creditor may not bother to pursue the debt if it is a small amount, but there is no guarantee. The same inquiry from the same lender at the same minute can affect two people’s credit reports differently.
Sometimes a score drop of just a few points can drop your score below the range for the rate you are trying to get. Even though your ex-spouse is supposed to pay the bill according to the divorce decree, you are still on the hook for the debt to the lender if you are a co-signer.
Once in a while, a creditor will agree to remove the late payment from the innocent spouse’s credit report, but may require that it be paid off first. If he doesn’t have the assets to pay off the debt now, you may want to ask whether he can be required to make payments to your attorney, who can then make sure the payments are made.
We have seen consumers significantly improve their credit scores in less than two years when they worked at it.
But I think it helps to keep in mind that factors are only included in scores if they are found to be predictive.
I wouldn’t advise deleting previous addresses, employers, or old personal information. While I understand the principle of long term mortgages showing a persons ability to maintain good credit rating by timely payments (with interest to the loaner), it would also make sense that a person who can save and pay cash for a home is as if not more thrifty and credit conscious. Only hard inquiries, those that are a result of an application for credit or other type of service (phone, utility, cable, etc.), impact your credit score. If your credit report was pulled without your permission, you would need to dispute the inquiry directly with the credit reporting agencies to have the inquiry removed.
You don’t need a credit repair company to file a dispute, and we actually advise against using them unless you fully understand what they do and how they work — you can read more about this topic in this article: Do I Need a Credit Repair Agency? At the very least, it will help your revolving utilization percentage — which is a significant factor in your credit scores.
Revolving utilization is the percentage of your balances to your credit limits, and accounts for roughly 30% of your credit score.
Ideally, you want to keep your utilization percentage at 10% or less for the maximum credit score points. As long as closing the account doesn’t have a significant impact on your revolving utilization percentage (causing it to spike), the impact to your credit score would be minimal. The credit card issuers may decide to close the accounts due to inactivity at some point, but unless you know how closing the card will impact your scores, it’s safer to keep them open. Generally speaking, most creditors wait to report a late payment until after the account goes 30 days past due — typically on the 31st day.
As far as whether or not bankruptcy is right for you, much would depend on your individual financial situation and how much debt you’re dealing with.
By law the collection agency is only allowed to report the collection account for 7 years + 180 days from the date you first fell behind with that creditor, so for all practical purposes that is the same amount of time that the charge off can be reported. I wouldn’t recommend it just because you are concerned about how these accounts affect your credit reports. Keep in mind, though, the debt can be sold from one collector to another, resulting in multiple collections on your credit report –but this wouldn’t re-start the clock. You’ll see the term when costs of credit are given (as in credit cards or mortgages, for example). They are older, so they have less impact than something more recent but it’s difficult to predict the exact impact. If the collection agency is reporting it the only way the original creditor can influence it is to pull it back from collections.


The credit score isn’t so much interested in your credit limit as it is in the comparison between your credit limit and the balance that is reported. A late payment is going to hurt, but it’s better to pay it late at the point, because a collection or judgment will hurt much more. If you dispute a claim and the credit bureau investigation agrees with you, the change will be within 30 days. Medical bills have an impact on your score with most models (there are a couple that do not count medical bills, but they are not in widespread use). If you are having trouble making payments, or if you have additional credit card debt, you may want to talk with a credit counseling agency for help. Paying a collections account does not ordinarily remove it from your credit report, though it does remove the threat that you will be sued — and a judgment is worse than a collections as far as credit reports are concerned.
You would not be responsible for payments, but it is important for you to to address any damage done to your credit. So you need to plan ahead for all these differences, otherwise, you will end up doing lots of extra work. Every week you will receive an Excel tip, tutorial, template or example delivered to your inbox.
A dashboard should prompt more questions than it answers, it should have enough detail to provoke discussion, yet not too much to put people off. We can easily implement such drill-down functionality in this dashboard and redirect viewers to other sheet tabs. The Service Invoice form for Google Sheets, based on our original Excel invoice, is one of the most popular templates in the entire Google Templates gallery. The "Taxed" column lets you easily mark whether sales tax should be applied to a line item. Our article outlines some basic file management techniques that you can use to manage invoices created using Excel. Of course, if all you are doing is designing a blank invoice form to be printed, Word may be fine. They can, however, raise your rate on your outstanding balance if you are more than 60 days late with a payment and they can increase the interest rate on new purchases, but only if they give you 45 days advance notice so you can cancel your account.
This works best if you have other credit cards with available credit lines, since the issuer will no doubt review your credit report to decide whether or not to work with you. If this debt is too old, and they try to sue you to collect, you can raise the statute of limitations as a defense. No annual fee is ideal, unless you plan to use the card heavily to earn some type of reward.
I am being hounded for credit card debts and the debt collectors are calling day and night. You can pull a free copy of your credit report annually from each of the three credit reporting agencies or you can check your credit scores using the free Credit Report Card. As long as the account remains unpaid, however, and he pays it late, your credit will be damaged. When I tried to refinance my mortgage, I found out she has been paying it late, and it has hurt my credit score. Of course, by contacting the lender, you may find that you are inviting the creditor to contact you if your daughter gets behind again, whether or not your credit report is cleared. If it turns out this type of program won’t work for you, you may need to talk with a bankruptcy attorney. My credit score runs around 780 but since I pay cash for Home and auto’s if needed, I doubt my score would ever hit the 800 mark. The FICO score, specifically, looks at both individual utilization and aggregate — or total utilization across all of your credit cards. And if the temptation to use the cards is a concern, one option is to cut the cards up so that they’re not readily available to you. Even then, we’d still advise speaking with a bankruptcy attorney but to give you some general guidelines, the following resource should help answer some of your questions: When Should You Consider Bankruptcy? But if you have a lot of debt and you simply cannot dig out, you may need to talk with a bankruptcy attorney.
Even if the debt is sold, the statute of limitations for reporting would be determined by the date the debt first went into severe delinquent status, usually at the 180 day late mark.
Collection accounts may be reported for 7 years plus 180 days from the date you first fell behind with the original creditor.
If it’s paid the collection agency may not bother to respond to the dispute and, if so, it would be removed. But I am guessing your best bet is going to be to try disputing it with the collection agency, explaining that you paid it long ago.
He won’t have to pay the debts he discharges, but your responsibility for it is not discharged. Since the loan the person I have a joint loan with has had a significant drop in their credit, etc. But for the negatives already on your report, time (plus on-time payments) is the best healer. What more, as a joining bonus, I am giving away a 25 page eBook containing 95 Excel tips & tricks. We have many invoices to choose from, so if the download on this page isn't what you need, browse our other invoice templates or tell us what you need.
The formats include our original classic design and a couple more ink-friendly forms (two of these are shown in the preview images to the left).
If that’s the case, weigh the cost of the annual fee against the freebies you will earn. In addition, most retirement accounts (IRAs, pension plans, etc.) are also protected from creditor claims.
Keep copies of your letters, send the letters certified mail, and keep copies of any correspondence you receive. I would first encourage you to get a free debt consultation to determine whether a credit-counseling program will work for you. As for the other information, keep in mind that scores can only measure what’s in the credit file. You can read more about inquiries here: Should You Be Worried About Credit Report Inquiries?
Legally, they cannot restart the process or extend the debt for another 7 years so you’re safe there.
You might be able to negotiate a settlement on this amount – if you do, make sure you get it in writing before you pay. Also, be sure you are checking the same scores each month, so it’s an apples-to-apples comparison.
All I know is that an auto loan company is contacting me asking about a loan and the person whose name is on it (which is my ex). Definately doable, and Chandoo my man, I think this is a really good example of a simple, yet effective dashboard.
And that gives you more leverage to negotiate a settlement — or just to tell them to leave you alone. If you are sent any papers that indicate they may be trying to sue you, contact a consumer law attorney immediately.
I have always been a fan of KISS (Keep It Super Simple) and this applies every so much to the world of dashboards. For more information, and to fully understand your rights, check with your state attorney general’s office or a local consumer attorney. If the lender decides to sue you, it could result in a judgment against you— which will stain your credit reports for another 7 years. Like you say, it is imperative to understand what you're audience expects and wants to see, and that means talking to them!
She said the case would dismiss in thirty days and all would be as before if I did not pay the filing fee.



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