Thinking About Essential Details Of Credit repair

Can you recover from a foreclosure?

Anyone who’s been forced to live through a foreclosure knows how tough it is. Many wonder if they’ll ever own homes again. The answer is yes – you absolutely will own a home.

One important thing you can do to get back into being a homeowner is figure out the reason for missed payments, and ensure that this wouldn’t occur in the future. Many families have budgeting issues – they could actually have afforded payments over time, but are finding that improper budgeting is causing them to have problems making payments. If that’s the case, you can better budget in the future, and begin a healthy cycle of credit repair.

Your credit score will certainly decrease if a foreclosure hits your credit report, and a foreclosure will stay on your report for seven years. You’ll need to immediately begin working to boost your credit after your foreclosure.

If a personal problem such as being fired or laid off at work, health issues, divorce, etc. strikes your family, you may be eligible for a Fannie Mae loan within three years of the foreclosure – else you’ll be waiting seven years.

Freddie Mac will force you to wait for three years before a new mortgage – otherwise the waiting period is five years. Unfortunately, in February, foreclosures that occur due to poor finance management will always be seven years, regardless of circumstances.

If you have a foreclosure on your credit and are looking to get back in the game, start out by paying your bills in a timely manner. Doing so will cause your FICO score to rise, and will eliminate some of the issues you’re having with bill payment and credit repair.

Make sure you’re taking a look at your credit report, and eliminating any other credit issues you have systematically. You can do this via disputes and other online methods of resolving issues with your credit repair.

Make sure you don’t owe anything on your foreclosure mortgage. If you do, this will pretty much stop you from moving forward with another mortgage. And most of all, apply for more credit! Make sure you have a full credit portfolio and that you’re paying off bills on time, and you’ll see your credit score on the mend. All these things could help you get closer to the mortgage you’re looking for.

The best way to ensure your credit score increases over time, and that you’ll be eligible for a future mortgage, is to use your waiting period constructively. You will definitely be waiting a while to get the foreclosure off your credit – use this time to increase your credit score, work on old debts, and get yourself into a better financial situation while you wait.

Compared Realistic CREDIT REPAIR Products

If you’re happy with your mortgage and feel no pressure from the monthly payments you make, then you have no worries. But if you’re thinking that you might be able to save some money by refinancing under a lower interest rate or you simply need to lower your monthly payments, then you’re going to need to know some information about refinancing your mortgage. It can help you out if you’re really in a bind, but it’s also a very long-term commitment so you need to analyze all possible outcomes before signing yourself off to another decade or more of mortgage payments.
The Perks of a Good Refinance
Aside from looking to make smaller monthly payments over a longer period of time, you should really consider refinancing if you stand to reduce your interest rate. If you take a look at current mortgage rates and believe that you’ll be able to get an improved rate, then get in contact with your lending institution of choice and have an estimate drawn up for your refinance. While you may be paying over a longer period of time, if you can lower the interest rate by even 1% then the refinance will save you money in the long run. But if your credit rating is worse than when you originally got the mortgage, you probably aren’t going to be offered a terrific refinancing option and you might just add another ‘hard pull’ onto your credit history when the lending institution goes to reevaluate your credit standing. Every ‘hard pull’ lowers your credit score, so you don’t want to have companies looking into your credit report too often.
What It’ll Cost You
In most cases, a refinance will go hand-in-hand with additional fees and charges, such as closing costs, and that raises the question of ‘how much will this cost’ and wondering about ‘how to close a mortgage refinance.’ While it is true that you can find some lenders who will waive refinancing fees to make the initial costs more affordable, they may or may not give you the long-term rewards you were looking for. Given the long lasting nature of mortgages, even a slight change in your interest rate can keep tens of thousands of dollars in your bank account and that makes them incredibly worthwhile, but you need to make sure that you can handle the closing costs and other expenses that can go along with a refinancing. If you won’t be able to survive until your refinance starts saving you money, now might not be the time to refinance. As always, make sure to check your credit report often to see how you stand with credit when considering these decisions.
The Repercussions of a Refinance
When looking for the answer to ‘should I refinance my mortgage’, you need to consider all the outcomes. With mortgages, you’re talking about decades of debt, and any years you may have knocked off with payments up until this point are all washed away when you refinance. Granted, you will still be repaying the same remaining principle, but it’ll be in smaller payments over a longer period of time. Is it worth being in debt for another decade or two? If the lowered interest rate ends up saving you money in the long run or if you absolutely cannot afford your current payments then it’s probably worth it, just don’t be the one who gets a rude awakening five years down the road because you misunderstood the terms of the refinance relative to your financial standing.
A refinance can be a great way to get out of a bind or just a simple way to save a lot of money in the long-run, but it’s important to remember that the keyword here is ‘long-run’. If you do everything correctly then you’re in for an easy ride while you pay through that extra decade, maybe even clocking into the Bahamas once a year with the family with all that saved money, but all those dreams can go right down the toilet if you don’t evaluate your situation smartly, so make sure to do the research and check your credit report to keep track of what your credit rating is.

Explaining Practical CREDIT REPAIR Methods

Having a Positive Credit Score is the most important thing you should strive to accomplish. So many people don’t know what a credit score is and how this affects greatly when buying a home, applying for credit card or renting an apartment.
Credit score is what lenders, landlords, and utility company use to know if you are eligible for the credit you are requesting. It is important to know also the way you used your credit in past it as a strong connection of how you will probably handle your credit in the future.
FICO (Fair Isaac and Co., Inc) is the credit score most widely used by lenders that determining your credit risk. This credit risk score represent in a numerical form your credit and debt repayment history. When people talk about credit score what they really talking about is FICO credit score. The Fair and Accurate Credit Transactions Act law (FACTA) required that this risk score is available to all consumers with their credit reports; therefore you have to pay a fee.
The three big credit Agencies are:
These agencies are for Profit and provide services in storing and maintaining credit record. These records are submitted by agencies or companies who grant credit. They subscribe to the Credit Report Agencies and they allow creditors to report information on your account history.
Your credit history include the name and ID of the creditor who makes report and your credit; the day the account was opened; current balance; credit limits; monthly payment amount and payment made by you for the last 12-24 months. Other information are included.
For this matter is important that you review your credit report minimum every six to twelve months. Especially if you actively using one or more credit cards, have loans installment, etc to make sure there is no inaccurate information in your credit history.
Under The Fair and Accurate Credit Transaction Act Law (FACTA) you are entitled to a free credit report annually. The three credit Reporting Agencies set up one central web site, a toll free number, and mailing address where you can order your free annual report, also be aware that you don’t need to contact these three agencies (Experian, Equifax, TransUnion) individually for the free report.
After you received it check to be sure the information on your credit report is accurate and up to date. Also order your FICO score to find out what is your score, which 850 been the highest and 599 or below is consider high risk.
If you have a low credit score make sure that you improve it by:
Paying your bill on time If you forget to make any payment, get updated and stay update Keep your balances low on your credit card Apply for credit card only when is necessary Consider taking a class for budgeting Review your credit report for wrong information Remove negative information off your credit

Having a positive credit score will allow credit grantor to trust you or take you seriously. You will able to get better credit rate, refinance with a lower rate, and other good stuff that a bad credit don’t have.
I hope that the information given help you to better understanding what is a credit score, where to get it and how to improve it if needed.

Effective Products Of CREDIT REPAIR Uncovered

Come Fly with Me is a quest that you get in Fallout New Vegas after speaking with Manny in the search for the man who shot you, Benny. How to complete the Fallout New Vegas quest – Come Fly with Me? The following will give you some tips on how to easily complete the come fly with me quest in Fallout New Vegas.

Tips 1: Easily Complete Come Fly with Me Quest in Fallout New Vegas

If you want to finish the Fallout New Vegas quest – Come Fly with Me, you have to check the local map in your pipboy. And you have to beat a nightkin dude. To do that you have to go back up through their area of the place and then go through the door to the launch pad and hit the launch button for them. After doing that maybe you will complete the come fly with me quest in Fallout New Vegas.

Tips 2: Easily Complete Come Fly with Me Quest in Fallout New Vegas

To go clear out the ghouls from the REPCONN facility or whatever they call it. But if you want to complete the come fly with me quest, you can also to gain a small Eyebolt on a counter in Primm, in the Nash home. With this thing, you can do a lot of preparations which can help you easily finish the Fallout New Vegas quest – Come Fly with Me.

Tips 3: Easily Complete Come Fly with Me Quest in Fallout New Vegas

You can improve the rocket’s navigation by examining the navigation console next to the launch button. Improving the navigation improves your karma. You may also set the rockets to crash, resulting in a loss of karma. But before launch, you have to know Chris isn’t a ghoul, and Chris will not be able to go with the ghouls on the journey because he will be unable to handle the extreme amounts of radiation. Then you can hit the launch button to rocket.

Tips 4: Easily Complete Come Fly with Me Quest in Fallout New Vegas

If the above 3 tips can not help you, you can see the video about the quest – come fly with me. Click here to see Complete Come Fly with Me Quest in Fallout New Vegas

As a fan of Fallout New Vegas, you may want to know:
Fallout New Vegas: 3 Easy Tips to Beat NCR in Fallout New Vegas
4 Ways to Get NCR Veteran Ranger Armor in Fallout New Vegas
How to Play Fallout New Vegas with Gamepad
How to Recover Platinum Chip in Fallout New Vegas

Exploring Critical Elements For Credit repair

There are so various situations where a man and a woman are married and share their debt along with having a joint account and the credit card have the name only of one partner. But in any case if they’ll get divorced, in such condition the credit providing company will reflect the debt in the credit report of that partner who is having his or her name in the debt agreement document. A credit report is the document which shows all the transactions as well as repayments of debts made by you. The loan providing company did not provide the separate credit reports to the couple individually unless you have declared your legal separation and ask for individual credit reports. If you are no more joined financially with your spouse then you have to refer the loan agency to look forward for dissociation.

You can also ask the loan company to either keep the name of one partner in the debt account which was previously handled as joint or ask one partner to take the responsibility of repayment of debts as well as taking care of all credit reports. You should pick up and move on with credit repair help after divorce because it will lead to your bad credit rating if any of the partner become loose in regular payments of installments. It is very important for you to get credit repair after divorce.

You should take care that after your legal separation your partner is also responding with the debt documentations and requirements in the similar way as you do if you are still having your joint debt account after divorce. If you going for the removal of your name from the debt account after your separation then the credit card agency will ask you for opening of a new account as well as a new credit card on your name. Make sure that the credit card company has given the confirmation of the removal of your name in written and the previous card is no more updating with your credit reports.

All these activities will allow you to maintain your good credit scores after your legal separation and also allow you to get loans on lowest interest in future. Credit repair after divorce can be easily done with the help of legitimate debt relief firm.

Credit report repair is a process that requires a plan. Making sure you achieve your goals within your time frame will result in a higher credit score and more financial possibilities. You may even get a credit report repair by reading through the report and removing any negative items through the process of disputation. Click the following link below for more information about credit repair:

Erase Bad Credit

Critical Aspects Of Credit repair The Basics

If you are looking to repair your credit a great way to go is free credit score repair. Taking the route of free score repair is also something that you can do on your own. Taking your credit rating as serious as possible is very important because this information can greatly impact your future credit. Using free credit repair to get your score as high as possible is an excellent and smart option.

How do you go about getting a free score repair? The first step is as simple as just looking at your credit report. This aspect on the road of free credit score repair can help you spot any inaccurate information and avoid any unnecessary problems. Part of checking accuracy includes confirming all the accounts on the report and making sure they are yours or once were yours, including double checking all relevant account numbers for matching. If anything seems not to be right then use the option of a free repair to research thoroughly and take any steps you can to correct them right away.

The next part of taking advantage of a free credit score repair is taking the chance to consolidate most if not all of your high interest credit card debt, turning it into just one low interest one. There are several different places that will help you do this and save yourself tons of money in the end. Not to mention it will also help you raise your credit rating as well.

Another thing that can be done in the way of free repair is transferring balances. This is the similar to a consolidation but is done with existing accounts of your own. It encompasses transferring any of your high interest cards balances to cards that have lower interests. Sometimes these lower rates don’t last very long, but just having a lower payment for a little while can help you get closer to completely paying off your debts.

Of course having the need to take advantage of free credit rating repair is usually not helped by making payments late. This needs to be a priority to pay your bills on time all the time. Late fees can only make your balance increase and make it harder to pay off your bills. Sometimes a due date can be changed if you simply just ask your debtor, most of the time they will be happy to help you out.

There are several other benefits to a free credit rating repair besides just helping improve your score. Having a better credit mark in the long can help you receive better interest rates in the future. You may also have a much better chance at good mortgage rates or car loan rates as well and things that can be needed. As you can see taking advantage of a free score repair can be worth all the effort in the end and you will be more than glad you did.Article Source: out for more articles on credit card ratings and accept credit cards internet.

Choosing Swift Methods In CREDIT REPAIR

Credit repair means everything in today?s society. It is the basic factor on which the society thrives today and is one of the most inevitable parts of the finance industry. It is something on which the investors and the creditors can rely upon and build the history that is required of it and it is one thing on which depends the worthiness of a person. It is very useful and advantageous way to get credit and loans from the banks in times when you are in need of money. It is not that you will not get a bank loan or a credit card from the bank if you do not have a good history of your credit repairs.

You will surely by any means get the bank loan or the credit card from the bank but you will not be able to get the advantages over it. That means you will be authorized to receive a bank loan or credit but you will get it on greater interest rates without credit repair. The reason behind this would be the creditor?s uncertainty about your paying the costs on time. The creditors will not like to take any risks in the financial areas if you have terrible credit scores. Same is the case regarding the taking of apartments on rent or in an EMI process. Landlords will not be able to give you the apartment or the property either on rent or for sale if you have a terrible credit score because they will not be sure whether you will be able to pay your rent bills and utility charges or not.

The term charge offs is used by creditors to write off debt. After a specific period of time when there is no payment made on an account creditors mark it as off or loss of amount and send the account to a collection agency. The time is usually one hundred and eighty days within which a payment has to be made into an account otherwise the account is marked as a write off and passed over to the collection department. After the transfer of the account to the collection agency the creditors usually stop charging the interest on the account and just write it off. The reason why they stop charging the interest is that if they continue charging interest on the account after its write off then they will have to show the account as an income on their income tax details. Instead if they stop charging the interest they can just write it off. The charge offs that are included in the credit report of an individual are extremely damaging for the individual as they affect all aspects of the credit scores and it adversely affects the loans that the individual might be applying for.

Fast Plans Of Credit repair Simplified

If just your bad credits are the reason why you facing so many refusals from loan lenders to avail financial help? Bad credit rating loans is the suitable alternative for you. You need to struggle a lot if you are having adverse credits. These loans provide you a great help in meeting all your financial needs despite of your any type of credit records.

It could be a great trouble for you if your financial status is enlisted with various bad credit factors like CCJ’s, IVA, Bankruptcy, Insolvency, Arrears, Defaults etc. However, bad credit rating loans can serve you as a best heal to solve your entire financial obstacle without any hassle and apprehension. With the help of these loans, you can pay off your various immediate needs that can be as follows:

-Wedding expenses -Holiday packages -Pay off your multiple previous debts -Plan a dream wedding -Purchase a car -Paying off higher education fee for your child etc.

While applying for loans for bad credit you can enjoy two options- secured and unsecured options. If you opt for the secured option, you have to pledge collateral against the loan amount. Collateral may include your home, car, jewellery or any valuable asset you can afford to place. On the other hand for the unsecured option, no collateral is needed to be pledged. Compared to secured option, the interest rate for the unsecured loans is higher due to the absence of collateral. However, one should always find out the rates of interest being charged by different lenders. All these will help you in availing the best deal for your financial needs.

Online application can be the best route you can walk on. it is easy and fast process that avail you the amount direct in your checking account within hours. You are even not required to leave your home or office. Proper research and comparison of loan quotes will enable you to end up with lucrative deals and rates of this loan.

Low financial standing your bad credit status and usually creates hurdle while applying for a loan facility. But while applying for bad credit rating loan you do not have to bother about your credit rating. Despite your bad credit rating you can apply for this loan and get a chance to fulfill all your expenses and desires with ease.

An Update On Uncomplicated CREDIT REPAIR Systems

If you need an adverse credit mortgage, then you should do your research and find out the facts before you commit to anything.

Regardless of the state of your credit history, armed with a bit of patience and a good understanding of lender criteria you should be able to get a mortgage. An adverse credit mortgage isn’t that hard to get, but unless you do your homework and shop around or take some professional advice, its unlikely you will get the best deal. Some lenders can charge extraordinarily high interest rates for an adverse credit mortgage, or attach severe restrictions and penalties. If you need a mortgage and you already have financial problems, you must ensure that you do your research and speak to an adverse credit expert to ensure you get the best product for your needs.

Adverse Credit Mortgage Explained An adverse credit mortgage is a product that has been specially designed to help people with poor credit problems get on the property ladder, or refinance an existing property to pay off other debts. The adverse credit mortgage market has grown over recent years, mainly due to the increase in people who have a bad credit history. It is estimated that one in four people in the UK would be declined a standard mortgage because of their bad debt record. Some of the high street mortgage lenders, together with new specialist and niche companies, have designed products that are targeted specifically at this market, which means that anyone hoping to get a mortgage of this type has plenty of choice.

What are the differences between an adverse credit mortgage and a standard residential mortgage? In essence, an adverse credit mortgage is quite similar to a standard residential mortgage. The lender will provide you with a loan for an agreed amount of money, which you repay to them at an agreed interest rate. You can choose from schemes where the interest rate is fixed for a period of time (fixed rate), or a tracker where it can vary in line with the Bank of England base rate. The main difference with an adverse mortgage is that the interest rates may be slightly higher than normal and there may be restrictions on how much money you have to pay and how often. When you choose an adverse credit mortgage, you need to be absolutely sure that you can meet the required terms; if you can show that you are making regular payments as agreed with the lender, it could help your credit rating and allow you to remortgage after a couple of years at a more favorable rate.

How do I find out which adverse credit mortgage is right for me? Even people who are researching standard residential mortgages can get confused by the myriad of different products available. Although the adverse credit mortgage market is considerably smaller than the general mortgage market, it can still seem pretty complicated to the layman. That’s why it is a good idea to seek expert advice. An adverse credit mortgage broker will have a comprehensive knowledge of all the products on the market, access to the latest schemes and deals via computer systems linked to lenders and will be able to analyze your exact circumstances to see which products might suit you best. Not only do they have the expertise and technology to find the right products, they can also assist you in completing application forms and help to sort out any difficulties that you may encounter throughout the process.

How do I know if I need an adverse credit mortgage? Take a look at your credit history. If you have extensive credit card debts, had a County Court Judgment (CCJ) against you, have been declared bankrupt or have had a mortgage application declined, you should ask about an adverse credit mortgage.

NoHassle Secrets For CREDIT REPAIR The Basics

In keeping with Fallout 2′s legendary dark sense of humor, you’ve never experienced sex tourism until you’ve gone apocalyptic. From a holographic porn studio to streetwalkers outside of casinos, Fallout 2 makes an effort to portray the worlds oldest profession as it might exist after WWIII is done.
Fallout 2 is a unique game in many ways. The setting is bleak and scorched in sharp contrast to the typical fantasy RPG where the environment is lush everywhere except where the bad people live. The people range from indifferent to hostile, evoking a sense of desperation in the pursuit of survival. And the sex…..wait, sex? In a video game? From 1998?
You read that correctly. Fallout 2. Sex. A video game. With sex. Nothing graphic, of course, but clearly portrayed and even condoned sexual relationships in a role playing game. Needless to say – not for the faint of heart.
Anyone who played video games in the 1990s is likely familiar with certain sexual tropes: the well endowed woman gently teasing the player via the conceit of flirting with the player’s in game character, the ambiguously gendered enigma who may be villain or ally, the always beautiful and ever helpless princess in the clutches of a dark lord.
But while there was innuendo and double entendre style humor, few mainstream games tackled sex in a direct fashion. Grand Theft Auto III was around the corner, but even its attempts to handle prostitution were mere extensions of old tropes now fleshed out in 3-D glory. In contrast, in Fallout 2 sex is present in some form in most every stage of the game. And not just present, sex is actually used in Fallout 2 to help set the scene, to demonstrate the state of humanity two centuries after the End of the World.
The first settlement a player will encounter unless making a Navarro Run or the like will be Klamath. A sleepy trapper town, Klamath is home to a trader named Vic who may have a lead on the location of Vault 13. While trying to find him, the player is almost immediately directed to a local "bath house".
This "bath house" is about the only brothel in Fallout 2 that isn’t overtly advertised as such. But make no mistake: the innuendo behind the "bath" options on sale such as the "hand wipe" and "full service body wash" is clear. To track down Vic, the player will need to talk to Jenny, one of the "bath attendants" available for hire in Fallout 2. Sex is not mandatory, but it can be purchased. There is no graphic representation, but the intent is clear and the speech bubbles appearing atop the various bath attendants is as thinly veiled as innuendo can get.
Klamath is as clean as it gets. Head to The Den or to Redding and you’ll have the opportunity to trade money for in-game sexual favors. Most bars have a prostitute or two, and their character attitudes vary. In an interesting bit of added detail, the Fallout 2 designers made a clear effort to humanize many of the sex workers in the game. To their credit, they appear to have made a conscious effort to portray sex in the desolate future as it might have been.
New Reno goes completely over the top. Everything you’d expect out of a seedy novel set in Las Vegas is here – mobsters, prostitutes, pimps, pushers, and a porn studio. Every other woman on the street is a prostitute, and to run down the streets of New Reno is to be inundated with lascivious and at times disturbingly dark comments. Fallout 2 sex is at its pinnacle in New Reno, where intercourse with a mobster’s wife and daughter are possible and the Golden Globes porn studio allows characters with sufficient strength, endurance, and agility to try out as porn stars.
Oh, and before I forget, there’s one other darkly amusing Fallout 2 sex scenario worthy of note: In one little town in an off corner of the world, seducing either a brother or sister in a family is possible if you have the right Perk, but their father will walk in on you…and you’ll find yourself wedded at the barrel of a gun. Shotgun wedding in the most literal sense.
It is possible to play through Fallout 2 with the explicit intent to find and partake in as much sex as possible. It is also possible to avoid everything except the speech bubbles and some conversational allusions to sex, so if you’re unsettled by sex in video games you can still enjoy Fallout 2.
The first step to being a sex tourist in Fallout 2 is to take the "Sex Appeal" trait upon creating your character, and be sure your endurance and agility are near to maxed out. Best to bump up your charisma as well. At various points you’ll need a higher intelligence or strength skill, so be sure to keep buffout and mentats on hand if these skills aren’t up high after character creation.
Get to Level 3 as soon as possible, and take the Kama Sutra Master perk.
You can play as a man or a woman in Fallout 2. Guides usually don’t need to distinguish between the genders, however when it comes to Fallout 2 sex gender does matter. A female character can do almost anything a man can do, but a woman can also be paid by NPCs for sex.
First stop for the budding sex tourist is Klamath. Head on up to the bath house and Big Nose Sally can hook you up.
Oh, a quick note – if you’ve not already done so, consider making a Navarro Run straight away. While you don’t need power armor to have sex in Fallout 2, guide your character’s path to Navarro early and you can score some great loot to sell to fund your misadventures.
No Fallout 2 guide can ignore the Den:
Beware, goody two shoes: The Den is a good place to accumulate bad karma. Not only can a player get the karmic title of "Gigolo" here, but go pawing through the graveyard with a shovel and you’ll be tagged as a "Grave Robber" as well.

New Reno makes The Den look like preschool. Prostitutes on the street, in brothels, in casinos. The place is an anarchistic nightmare, and perfect for a Fallout 2 guide to post apocalyptic sex tourism.
Head first to the Cat’s Paw. Pick your poison, and remember that you can perform an optional ‘quest’ for her to collect all 10 Cat’s Paw magazines that are scattered around the wasteland.
North along main street is Bishop’s Casino. On the second floor there is a blonde female character model in a black dress, and another female with dark hair in a leather jacket. The first is the wife of John Bishop, the leader of the Bishop Family mob, and the second is his daughter. Both can be propositioned, but beware – you’ll end up in their bedrooms on the third floor, and have to walk past John Bishop to get out. He’ll only turn a blind eye so many times…
Also in New Reno: Golden Globes Porn theater. With sufficient stats, Sex Appeal, and Kama Sutra Master, a tryout will lead to your character becoming a porn star. You get to choose one of several dozen pornstar names to be your very own, and can get paid to make a video once a month. Be forewarned – try out when you aren’t attractive enough, you’ll be hired as a "fluffer".
Final notes to this Fallout 2 Guide to wasteland shenanigans? If you want to be married to a man or a woman, as a man or a woman, head to Modoc. Same-sex marriage is both allowed and enforced in Modoc.
And if you are into a particular scene, go wrestle a particular super-mutant in Broken Hills who hangs out in the bar. Lets just say that if you lose, a ball gag will be added to your inventory.