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.
The vast majority of people still go straight to Google when they need to locate information online. However, according to the results released by Experian Hitwise recently, Google is not the most accurate search engine when it comes to results. Who is top of the list? According to Experian Hitwise, these are the top three ranked search engines in terms of the accuracy of their results:
1. Yahoo! 2. Bing 3. Google Experian Hitwise gained the data from a total of 10 million internet users based in the US. The figures apply to the month of July in this instance, but the top three is actually the same as it was in June.
Here are the main facts to be gleaned from the report:
* Yahoo! has slipped slightly in the results, going from 81.63% to 81.36%
* Bing has also dropped slightly from 80.60% to 80.04%
* Ironically Google is the only search engine to have improved its performance, increasing its success rate by almost one per cent. It has improved from 66.63% to 67.56% as a result. Should this worry those who use Google?
Google is still by far the most popular search engine in terms of the percentage of searches it gets of the whole market each month:
* It dropped back from 67.12% in June to 66.05% in July
* In contrast Bing and Yahoo! both increased their percentage of searches to 28.05% and 15.07% respectively. According to the way Experian Hitwise works, a successful search is one where a person finds something they wanted and clicks through to an actual website as a result.
Google is always striving to improve on its search results, just as the other search engines are. But this stark statistic may prompt it to work even harder. It is still clearly out in front in terms of the proportion of people who choose Google as their preferred search engine. But how long will this continue if Google does not come up with the goods that are required?
How could these results affect your business?
All businesses – or at least those that want to be found online – aim to ensure that their websites are optimised for their most important keywords. But this data seems to indicate that Google may not be as good at presenting the best results as many people think.
One thing we do know is that Google is constantly trying to improve its service. Hopefully the release of these figures will lead to more improvements in terms of how successful their searches really are. The good news is that your business has just as much chance of doing well in the search results for Yahoo! and Bing as it does for Google. This means you will gain traffic from these sources as well.
In terms of your business, performing well in the search engines is always crucial. With the help of a professional SEO Company you can enhance your rankings no matter which search engine people use to find you.
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Consumer Report: Better-For-You Foods
Making smart food choices when you shop can be very confusing. What's really better for you: “Whole grain” or “multi-grain?” How about “low fat” or “light?” “Sugar free” or “no sugar added?” Consumer Reports ShopSmart Magazine tells us how to decode … Read more on WILX-TV
Consumer Reports warns pregnant women to avoid tuna
SAN ANTONIO – In a new food safety report, Consumer Reports is cautioning pregnant women to avoid eating tuna because of the risk of consuming mercury. Eating fish can be a great choice. It's an excellent, low-fat source of protein and other nutrients … Read more on KSAT San Antonio
Tesla extends warranty to cover Model S problems
The warranty extension comes after reports by Consumer Reports and other media outlets that have experienced problems with the Model S during long-term tests. but most of the problems that have surfaced on our Model S didn't involve the powertrain nor … Read more on ConsumerReports.org
Four common mistakes in treating back pain
Doctors prescribe almost a third of back-pain sufferers potentially addictive narcotic pain drugs such as oxycodone (found in OxyContin and Percocet) and hydrocodone (found in Lortab and Vicodin). But people who take the drugs report more disability … Read more on ConsumerReports.org
On Monday, August 18th, The New York Times (NYT) reported on a data breach suffered by Community Health Systems, which operates over 200 hospitals nationwide, that saw the compromise of 4.5 million records containing Personally Identifiable Information (PII) like names, phone numbers and social security numbers. According to Mandiant, who was engaged to investigate the incident, the belief is the attack emanated from an advanced group of cyber attackers based in China, who they say are more well known for targeting Intellectual Property, like advanced designs and research, rather than this type of PII. Thankfully, at least actual medical data does not appear to have been compromised. “The healthcare industry is a huge target for hackers,” explains Joe Caruso, founder and CEO/CTO of Global Digital Forensics (GDF), a premier provider of cyber security solutions, “because there is a lot of potential money and/or leverage to be had on many fronts, from the competitive edge which could be gained by stealing confidential R&D and other IP (Intellectual Property), and would certainly pique the interest of foreign state-sponsored attack groups or any other competitor looking for an edge, to very personal medical information which organized criminal groups will be more than happy to exploit to its fullest, as in full blown identity theft, or even targeted social engineering attacks which prey on victims facing some of the most desperate medical situations imaginable by concocting things as simple as spear phishing emails dangling the false hope of the perfect new “miracle” cure, for a hefty price at the end course. Our vulnerability assessments and penetration testing offerings focus strongly on social engineering, so we can help shore up that front not only for the organization itself, but we can also offer assistance which will see employees come away with better insight on what to watch out for as far as phishing and spear phishing techniques which they may run into at home too. And that can help the organization by strengthening another commonly weak threat vector, employees getting compromised at home and opening the door for attackers to breach the organizational network by unknowingly schlepping in malware or foolishly re-using compromised credentials from home at work, which we see all the time.”
Regular testing is key to combatting APT longevity.
“Advanced Persistent Threats, or APTs, are well named,” says Caruso, “they are advanced, as in hard to detect and often complex; they are persistent, commonly letting attackers reside on a network to do their thing for weeks, months, or sometimes even years, and they are definitely a threat. That’s why professional testing and deep scanning at regular intervals is so important. APTs are almost never going to be uncovered by off-the-shelf signature-based antimalware or antivirus solutions, and that’s why you need an arsenal like ours that goes way beyond those basic capabilities. We can even hunt down and eradicate many as of yet undiscovered zero-day threats. We can also help coach up internal staff on system behavior and other clues to look for to spot threats early, and help them devise an effective emergency response plan and escalation matrix, or strengthen any existing emergency response policies and procedures.”
The scope of the problem is costing the healthcare industry plenty.
“The NYT article also highlighted some numbers which should be pasted prominently on the wall of every IT security department in the healthcare industry. It siad last year an ESET researcher calculated that the numbers broke down to the protected health information records of 24,800 Americans being exposed every single day! And judging by the record breaches this year already, I doubt that number is shrinking this year. So when you consider healthcare organizations are going to end up paying a hefty cost for each and every compromised record, from the time and resources it’s going to take to notify everyone affected and consumer protection plans they will have to shell out for, to the stigma which can affect patient trust and organizational credibility, it becomes very clear that the cost of doing nothing will end up being far greater than the cost of letting proficient cyber security experts help substantially improve your cyber security posture against future attack attempts and eradicate any existing threats already residing on the network, as well as assist with 24/7 emergency response should the unthinkable happen. And yes, we are fully versed in the regulatory compliance issues like HIPAA (Health Insurance Portability and Accountability Act) which apply to the healthcare industry and can help make full compliance as painless as possible,” Caruso said.
Customized for the uniqueness of every client
*Global Digital Forensics is a recognized industry leader in the fields of computer forensics, cyber security and emergency incident response, with years of experience assisting clients in the government, banking, healthcare, education and corporate arenas. For a free consultation with a Global Digital Forensics specialist, call 1-800-868-8189 about tailoring a cost-effective plan which will meet your unique needs, without wasting resources on solutions you simply don’t need. Emergency responders are also standing by 24/7 to handle intrusion and data breach emergencies whenever and wherever they arise. Time is critical if a cyber incident has occurred, so don’t hesitate to get help. For more information, visit http://www.evestigate.com.
Tejeda represents businesses and individuals in state, federal, and bankruptcy courts in complex commercial litigation. His litigation experience includes finance disputes, business torts, title disputes, repossession and deficiency claims under the Uniform Commercial Code and state foreclosure statues, actions under the Bankruptcy Code and the Fair Credit Reporting Act, and judgment enforcement proceedings. In addition to his litigation experience, Tejeda negotiates and drafts loan workouts, settlement agreements, bills of sale, asset purchase agreements, and other complex financial documents.
Tejeda shares Holland & Hart’s commitment to its communities. He serves as a judge pro tempore in the small claims division of the Salt Lake City Justice Court, by appointment of the Supreme Court of Utah. He also chairs the continuing legal education committee of the Young Alumni Association of the University of Utah’s S.J. Quinney College of Law, and is a student mentor at Westminster College. In addition, He served as a non-commissioned officer in the United States Army Reserve for eight years, which included two active duty deployments to Iraq and Kosovo.
He received his B.A. from Westminster College in 2003 and then continued on to graduate from the University of Utah’s S.J. Quinney College of Law in 2006. He is licensed to practice in both Florida and Utah.
Holland & Hart’s commercial litigation practice covers the spectrum of business relationships. Its variety parallels the assortment of commercial ventures and arrangements in which its clients are involved. Because of the variety of litigation matters the firm handles, it has extensive experience with the breadth of remedies that are sought in business cases. From lost profits to receiverships to injunctions to specific performance to an array of consequential damages claims, we are prepared to creatively and persuasively present and defend claims based on these theories.
OnBase by Hyland plus Parchment, a leader inside the exchange of electronic credentials, have partnered to simplify the way inside that universities send plus get student transcripts, accelerating the evaluation procedure, reducing paper fees plus improving protection. The strategic end-to-end transcript answer assists any organization obtain, evaluate plus import into the enterprise resource planning (ERP) or degree audit systems without manual intervention. Whether an organization receives transcripts about paper or electronically, it can obtain the transcript plus deliver the course equivalency to the student.
The partnership with Parchment allows an organization to obtain plus procedure the transcript electronically – whether it happens to be received about paper or digitally. Instead of printing electronic transcripts to manually enter the information, OnBase accepts the digital information plus leverages it in the Degree Audit program. This offers pupils a more exact view of their degree completion progress, causing high student yield rates, greater class selection, quicker degree completion along with a competitive benefit for universities.
“We are thrilled to boost transcript delivery for organizations internationally by integrating OnBase’s API into Parchment’s digital credential platform,” mentioned Matthew Pittinsky, CEO of Parchment. “This integration can ease the time plus strain inside processing plus releasing transcripts, eventually improving workflows thus which registration offices may rather focus about improving results for the pupils they serve.”
Research shows which transfer pupils frequently arrive with 3 to five transcripts inside tow, generating it critically significant to capture transcript info plus truthfully procedure transfer credits, assisting pupils protect time plus funds when organizations boost registration plus supply superior student service.
“We are building comprehensive solutions to satisfy the many pressing difficulties inside high knowledge,” mentioned Laurel Stiller, high knowledge industry manager at OnBase. “This answer might aid universities grow their enrollments plus place pupils about a quick track to graduation.”
To understand much more about how OnBase catches transcripts plus automatically evaluates them, please see OnBase.com/HigherEd.
About OnBase by Hyland
OnBase is a flexible plus comprehensive enterprise content administration (ECM) answer which assists organizations manage documents plus information to streamline company operations. Integrating with everyday company applications, OnBase delivers instant access to important info whenever we require, whenever you’re. OnBase grows with companies because requires change plus company evolves.
OnBase is regarded as many popular ECM solutions for schools plus colleges. To support the high knowledge enterprise, the flexible, scalable plus secure OnBase answer fits certain processes over organizations, from admissions processing plus review, including transcript capture plus transfer credit evaluation, to AP invoice processing. This end-to-end answer allows organizations to leverage existing hardware investments, integrate with student info systems plus ease administrative burdens about IT. For more info regarding OnBase, please see OnBase.com.
Parchment is a leading technologies firm permitting learners, educators plus companies to request, verify plus share credentials inside easy plus secure methods. The platform has aided millions of individuals plus thousands of universities plus colleges to exchange over 12 million transcripts plus alternative credentials worldwide. Founded in 2003, Parchment Inc. is headquartered inside Scottsdale, AZ, with offices inside Roseville, CA; Denver, CO; Grand Rapids, MI; Toronto, ON; plus Washington, DC. Follow Parchment about Twitter plus Facebook.
Top Places To Get A Free Credit Score Or Report
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How much does student debt matter? The short answer to this is a lot – for people who are having a hard time repaying their student loans. For one thing, defaulting on student loans has a significant impact on credit scores just as does defaulting on an auto loan or a credit card debt. What makes this issue even more significant is the fact that Iowa students graduate owing an average student debt of $ 29,456, ranking it sixth worst in the nation. In addition, 71% of Iowa students are required to borrow money to finance their educations, which makes the state third worst in this category. On a brighter note, unemployment in Iowa as of June of this year was a healthy 4.4%.
The analysis done by Studentloanconsolidationreviews.org focused on three factors. First, the company’s business model, second its corporate history and third the form or forms of relief offered.
National Debt Relief was ranked best on all three of these criteria. For example, its business model is performance driven. It charges no upfront or maintenance fees. If it is unable to find a customer a repayment program with lower payments and a better term than what he or she currently has, the company charges nothing.
Second, National Debt Relief has been in business since 2007 during which time it has helped more than 100,000 individuals and families achieve debt relief.
Third, Studentloanconsolidationreviews.org gave National Debt Relief top marks because of the way it can help student debt strapped Iowans. “We liked the fact that the company offers a number of options for student loan repayment from the Department of Education,” said Studentloanconsolidationreviews.org spokesman Michael Smith. “This enables National Debt Relief to provide its clients with the one that’s best suited to him or her given their financial circumstances. For example, one of the options available through National Debt Relief is Pay As You Earn repayment, which caps a person’s monthly payments at 10% of his or her disposable income. And as you may have read, Pres. Obama recently signed an executive order that makes many more people eligible for this repayment program.”
Studentloanconsolidationreviews.org also ranked National Debt Relief number one as it has continuously maintained an A rating with the Better Business Bureau and that it’s a member of the American Fair Credit Council. Plus, its customer service can be reached by telephone (1-888-323-9006) at any time of the day of the week. National Debt Relief will even prepare all the paperwork required to get its customers into a new repayment program with lower monthly payments and better terms than what they currently have. While people can prepare the paperwork themselves for free many choose to let the professionals at National Debt Relief do this for them.
Studentloanconsolidationreviews.org’s analysis of debt relief companies available to Iowans ranked SoFi second as its business model offers less flexibility than that of National Debt Relief. This is because SoFi offers only debt restructuring and debt consolidation loans. Once a person signs for a loan from SoFi, its monthly payments, term and repayment options are fixed. In addition, SoFi uses peer-to-peer lending, which means the money comes not from a financial institution but from a person or group of people. In the case of SoFi, the lenders are alumni of the school that the borrower is either attending or attended. While there are 550 schools in the SoFi network, there are many that aren’t. If you attended one of those schools, you would be ineligible for either a loan or debt restructuring from SoFi.
If you thought arranged marriages are a thing of the past, think again. Even today in the technology driven society, career oriented GenX, finds it more convenient to go in for arranged marriage. The trend of love marriages, a range till very recent time has slowly slipped in the background.
Here HT city takes a look at changing pattern of the institution of marriage and the mediators traditionally involved in the process.
With a strong belief in Kundllis and Gotras, almost every family belonging to the older generation had a family Purohit (priest). Besides their regular prayers and havens, the main task of these priests was to suggest prospective matches for the children when they reached marriageable age. As the Purohits had a wide base in a number of families, they fixed a meet between the prospective in-law families, after pronouncing the kundlis satisfactory. This tradition was popular amongst the upper middle class families.
Another way through which marriages were fixed up was through the Nai and Nain (erstwhile beauticians), who also acted as mediators. Sharing this information, 76 year old Vimala, said, “Going from house to house, this class of barbers and beauticians knew the entire family history. Making suggestions for prospective matches, they were the major guiding force in getting two families together as they were trusted to have all the important information about the families.” Both upper middle and lower middle class families followed this practice.
These mediators, (today”s marriage bureaus) played an important role especially in the lower middle class families. Collecting data from several families, they came up with the names and photographs of the best possible matches that they could provide. If one of their suggestions clicked, the families then took it forward. Back then; these mediators were paid in kind.
Gradually the trend of priests and barbers started declining. Mediators were still in demand, and they had siren from being mediators to owners of “Marriage Bureaus”. It was in this time that the influence of Bollywood and western showed their effect and love marriages became a growing force in the city. Talking about the change, Mahesh Gupta, owner of a marriage bureau operating for the past 30 years in the city, said, “Love marriages slowly stared gaining ground and arranged marriages took a back seat. The footfalls visiting us lessened but not by a very remarkable degree.”
Endorsing this view, Palak Sharma, a 40-year old entrepreneur, shared, “Being highly educated it was important to find the perfect match who understood my limits and did not expect me to be the perfect Bahu. I was lucky to discover my soulmate in my college. We had a love marriage and have lived a happily married life.”
Gen X has moved one step forward. Marriage bureaus have turned into matrimonial advertisements in newspapers and sites such as Meerut based website Rishtonkasansar.com have come up. Owned and managed by Mahesh Sharma for the past 17 years, the site has fixed many successful marriages. Talking about the trend today, he said, “Arranged marriages have come back into fashion. Also, even though the tradition of pandits has come down, applications such as Kundli have given people the opportunity to get an online Kundli within a matter of minutes.”
The tradition of marriages has come a full circle albeit minus personal touch which was a major force earlier Priests today are left with the sole task of performing pujas and havens. Pandit Shiv Shankar, third in this family of pandits shared,
“My father had been involved in the task of fixing marriages. However, today not many such demands come my way.” In a similar manner the tradition of barbers and beauticians has given way to modern beauty parlours and hair cutting saloons, forcing the decline in the tradition.
Today, convience and saving time has become a priority, even in arrange marriages. Hence the rise of online and dotcome marriages are in vogue, where the girl and boy have the freedom to meet online, get to know each other and finally get married, presenting a unique mixture of traditions with technology.
D.K. Mishra writes on behalf of Rishtonkasansar.com, which is India”s fastest growing matrimonial website, provides online Indian matrimonial classified services. Rishtonkasansar.com enables users to create a matrimony profile on the website and allow prospective grooms and brides to contact each other. Users can search for profiles through advanced search options on the website.
http://www.getcreditinformation.com – Credit industry insider information from the founders of the Get Credit Information.com portal. In this video experienc…