04/11/14

Repair Credit Rating – There Is No Quick Fix

Trying to repair credit rating scores is not something you can do overnight. Neither is it something that someone else can do for you. There are ways to help you repair credit ratings, but you really do have to want to improve your rating to an acceptable level.

If you have been denied credit, chances are it is because you have a poor credit rating. To find out for sure, you can request an annual free credit report gov to see what information the report contains. Once you see that you have a lot of outstanding bills with missed or late payments, then you will have to take the necessary steps to repair credit rating. Although this won’t happen overnight, there are ways to improve your credit rating.

One of the easiest ways to improve your credit rating is to start paying your bills on time. Many people have a poor credit rating simply because they are negligent in sending in the payments because they do not realize how important this is to their credit rating. Even if you have plenty of money coming in to pay your bills each month, you could still have a low credit score and have to start to repair credit rating.

If you are having difficulty making your payments, there are still ways that you can improve your credit rating. One of these is to contact your back and arrange for a debt consolidation loan. When you use this money to pay off your outstanding bills and make the payments on the new loan on time, it goes a long way towards the repair of your credit rating. Creditors look favourably upon this because it shows that you really do care about your credit and want to improve your credit rating.

Another of the ways to improve your credit rating is to contact the creditors to see if they will take a lower monthly payment. When you are able to manage a lower payment and have it in on time, then you are also taking steps to repair credit rating. Creditors will usually work with you to find a manageable amount because they do want to receive their money back. You can also start with the lowest amount and make higher monthly payments to repair credit rating. In this way you are rebuilding your credit and getting your bills paid off at the same time.

There are some simple steps to repair credit ratings, but it takes some effort.

To find out more about Credit Repair visit Peter’s Website Credit Bureaus and find out about Credit Repair Services and more, including Free Online Credit Reports, and Online Credit Repair.

Article Source:
http://EzineArticles.com/?expert=Peter_Crump

09/16/14

How to Improve Your Emotional Quotient at Work

An Emotional Quotient or EQ is defined as the variety of personal-management and social skills that helps an individual to improve in the workplace and life in general. Therefore, EQ plays a valuable role in how people interact within the workplace. The main foundations of EQ include self-awareness, optimism and empathy, which many develop early in life. Other foundations of EQ are developed only through experience such as perception, persuasiveness and tact.

In today’s workplace, it isn’t easy to change the early imprints of live. However, you can create learning environments within the workplace that help you to continue your develop of social manifestations of EQ or interpersonal skills. The main ingredients of organizational success include client’s relations and personnel management.

First, consider a book on core interpersonal skills requires for your specific business. This may include consulting, selling or customer service skills. You want to get a well-written book that provides you with the most important ideas and as you read the book make notes on each chapter. You want a book that is easy to read and offers how-to advice. The book should ideally have short chapters with a topic that helps encourage discussion.

Next, you want to choose a target group to work with. Ask the individuals to find a convenient time and place for a meeting. This can be something held once a week in the conference room or it can be a specific segment of the weekly department meeting. If you are going to do a lunchtime program then you should increase interest through word of mouth in order to see if people are interested. When you get a positive response then you can send an invitation to the work group and offer it as a growth opportunity.

During your first meeting, you want to the whole group to be involved in setting up a format. The group may use a book that is passed between members or something that each individual can get their own copy of. You should also make sure that the members of the group discuss and agree upon a schedule and location for future meetings.

Fourth, to start the process you want to introduce the book and tell why you choose it as well as a brief review of the table of contents. Next, go over the key ideas from the first chapter. Offer some open-ended questions to start discussion with the group. Make sure you keep the discussion going so that everyone has a chance to participate and that are ideas are considered in a respectful manner. Have a volunteer take the role for reading the next chapter and offers ideas to the group for the next meeting, but be on hand to provide assistance if necessary. Always make sure you thank everyone for their contributions to the meeting.

In preparation for the next meeting, make sure you review the chapter and check with the volunteer to make sure they are comfortable with presenting the content and holding the discussion. Provide them with any support or coaching that they may require.

Joel Teo is the author of the Executive Speed Reading Course and helps executives boost their reading speed so as to achieve better workplace efficiency and productivity. You can learn more about his program at http://www.Exec-Speed-Reading.com

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Student Loan Balances Rise, Other Debts Fall: Experian

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09/8/14

Autosoft Partners with 700Credit, LLC to Simplify Dealership Finance & Insurance Operations

West Middlesex, PA (PRWEB) August 25, 2014

Autosoft, Inc., a leading national dealer solutions provider, announced today that it now offers convenient access to credit report and compliance services within its web-based FLEX F&I application. This feature is a result of a partnership between Autosoft and 700Credit, LLC, the industry leader in providing credit and compliance products and services exclusively to the automotive industry.

This partnership helps dealers to quickly complete the entire sales process without leaving Autosoft’s FLEX F&I application and in most cases, while a customer sits across the desk. Sales personnel can pull credit and comply with mandatory state and federal requirements using 700Credit’s Credit Reports product and the included compliance safeguard features.

“At Autosoft, we’re always looking for ways to make our customers’ jobs easier,” Autosoft’s Senior Vice President of Business Development Christopher Morris said of the new integration. “Convenience and cost-savings are important to our customers, so we’re happy to offer a fairly priced service that saves time and steps for our dealerships. More importantly, 700Credit provides our FLEX F&I users with a simple, efficient and effective means for ensuring compliance with federal and state laws that many dealerships may not even realize they are required to follow.”

Kenneth Hill, managing director of 700Credit, said of this new offering, “The integration with Autosoft’s FLEX F&I application gives dealerships complete, instant access to our credit reporting and compliance solutions. In today’s market, the ability to save time and not have to worry about the legal ramifications of various regulations brings dealers peace of mind while increasing profitability.”

With just a few mouse clicks, FLEX F&I users can:

    Gain access to credit reports and credit scores (FICO and Vantage) from the leading national credit repositories, Equifax, Experian and TransUnion. The Vantage Score is a new generic credit scoring model that provides accurate scores for potential buyers who use credit infrequently and more credit-worthy borrowers from a broad population.
    Access a credit report summary that helps dealers and lenders analyze the most significant factors in a consumer’s credit file.
    Quickly comply with the U.S. Patriot Act by screening customers against the U.S. Treasury’s Office of Foreign Assets Control (OFAC) for every commercial transaction at a dealership.
    Prevent identify theft and comply with the new FACTA “Red Flag” identify theft program with a turnkey solution that automatically alerts the dealer to potential identity theft Red Flags and offers verification options at the point of sale.
    Stay in compliance with federal and state adverse action laws and regulations. 700Credit can either print an adverse action notice for a dealer to provide to the customer or send it automatically on the dealer’s behalf within 30 days of the original application.
    Receive an automatically generated Risk-Based Pricing Score Disclosure Exception Notice each time a credit report is retrieved.
    Use Prospect Prescreen to gain a unique insight into a customer’s credit profile from basic deal information — and without needing a Social Security Number or permission — enabling a more informed conversation with consumers during the sales process.

700Credit is offering Autosoft’s FLEX F&I customers preferred, pay-as-you-use pricing for its credit reporting and compliance services.

About 700Credit

700Credit is the automotive industry’s leading solution for credit reports, consumer information and compliance products and services. The company’s product and service offering includes credit reports, OFAC compliance, fraud detection, score disclosure, adverse action and more. 700Credit exists to provide its clients with the highest quality data in the most time efficient manner possible. For more information about 700Credit, visit http://www.700credit.com.

About Autosoft, Inc.

In an established automotive retailing marketplace, Autosoft, Inc., is breaking the mold with innovative, user-friendly technology and business-friendly terms and conditions. Through new managed services solutions, customers across the U.S. have convenient, affordable access to the tools they need to run an automotive dealership. We are proud to put our more than 30,000 users in 2,000 dealerships first and to employ a team of industry-experienced professionals with a shared passion for delivering the highest quality products and customer support.

For more information about Autosoft, call Autosoft Marketing at 800-473-4630, email marketing(at)autosoft-asi(dot)com or visit the website at http://www.autosoftyoudrive.com.







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