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The NOOR Foundation, Nikon and the Cape Town School of Photography invite photographers to submit their portfolios for selection for the 2012 NOOR-Nikon Masterclass in Documentary Photography in Cape Town, South Africa, organized from 26 March through to 30 March. The 2012 program is accessible to documentary photographers and photojournalists from South Africa or from the SADC region with a valid passport.5 Steps Toward Credit Repair Improving your credit is essential because bad credit impacts your ability to take out a loan, obtain low interest rates on loans and credit cards, get good insurance rates, buy a house or rent an apartment, and in some instances, get a job. The good new is that bad credit is fixable. Sometimes, it might take debt consolidation or a credit counseling service , but often times self help is sufficient to repairing credit.

