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

11/25/14

Consumer Credit- My Fico Transunion Credit Report Tutorial

Consumer Credit- My Fico Transunion Credit Report Tutorial

Credit Card Options – http://www.creditsense.com Credit Sense walks you through the Transunion credit report from myfico.com – your true Fico score. Credit S…
Video Rating: 5 / 5

Alguna vez te has preguntado cómo utilizar tu crédito para lograr tus metas? En este video te mostramos cómo hacerlo utilizando TuScore y siguiendo algunos …
Video Rating: 4 / 5

11/22/14

Is Identity Theft Protection a Good Thing?

Identity Theft Protection, as the name suggests, is a service tailored to serve as a guardian for your personal information. They’re the ones that stand between you and any identity thieves which want your information and your money. But do you really need it? Are you really at risk?

There has been a lot of hype about ITP, so much that you might feel its all a scam to get your money. Let me assure you right now that it is not. Losing money is the last thing that most ITP providers want for you. And let’s face it, in this world of instant communication and credit cards, there are a million and one ways for a identity thief to steal your information. There is no possible way you can guard against every single one. You cannot to continue to live unprotected.

ITPs are available to solve that problem. They can serve as the security force behind your information system. They can guard all those back doors and side alleys that thieves can use to get what they want. But what about those of you who don’t take risks on the computer? For those people it might seem as if ITP is not necessary.

The internet is not the only access to your information. Physical evidence is enough for a thief to be able to take your identity. They can go through your garbage to collect tossed documents with sensitive information. Some even result to burglary and steal them right from your home. And when that happens, you need someone to tell you what to do next.

ITP providers aren’t perfect. There is no way to protect every avenue that thieves might use. But when the unexpected does happen, that’s when the best part of ITP kicks in. They can walk you through the recovery process step by step, helping you retrieve and safely protect your information again. There are people that will be assigned directly to your case to help you set new passwords, cancel any credit cards that might be vulnerable, and freeze your money before it has a chance to leak away. The most important thing in an identity crisis is to act immediately. Know when it happens and what to do. ITP providers will help you do that. And that is why Identity Theft Protection is a good thing.

By the way, by researching and comparing the different identity theft protection services in the market, you will be able to determine the one that meets your specific needing and it is reasonable priced. Nonetheless, it is advisable to check several offers before making any decision, this way you will save time through getting the right identity theft protection plan for you and money by securing the better results and the best company available in the market.

11/21/14

Equifax Workforce Solutions to Discuss Prospects for WOTC Renewal in

Equifax Workforce Solutions to Discuss Prospects for WOTC Renewal in
During "Prospects for WOTC Renewal: A Well-Known Lobbyist Explains," Ezrie Yellin, product manager, Work Opportunity Tax Credit (WOTC) and Paul Zurawski, senior vice president, Government Relations and Regulatory Management for Equifax, Inc., will …
Read more on PR Newswire (press release)

Equifax Inc. to Issue Quarterly Dividend of Equifax Recognized as a Technology Leader on the 2014 FinTech Forward 100
"Equifax has made significant investments in technology to the benefit of our customers, so this ranking is further recognition of those capital initiatives," said Joy Wilder Lybeer, Senior Vice President of the Financial Services Group at Equifax. "We …
Read more on MarketWatch


.25 on December 15th (EFX)

Equifax logo Equifax (NYSE:EFX) announced a quarterly dividend on Thursday, November 6th, Stock Ratings Network reports. Shareholders of record on Monday, November 24th will be paid a dividend of 0.25 per share on Monday, December 15th.
Read more on Intercooler

11/18/14

Few vets use free credit monitoring after VA breaches

Few vets use free credit monitoring after VA breaches
Only about one in 25 veterans offered free credit monitoring in the wake of Veterans Affairs Department security breaches has signed up for the service, a figure that VA officials call disappointingly low. Nearly 1 million veterans have had their …
Read more on Military Times

One Mattress Firm Store Dumps Sensitive Documents; Exposes Customers to
Consumers also need to be vigilant about monitoring credit activity. At annualcreditreport.com, you can get a free copy of your credit report every 12 months from each of the three credit reporting company. That means three times a year you can pull a …
Read more on NBC 5 Dallas-Fort Worth

11/16/14

Latest Credit Rating News

AutoZone Given BBB Credit Rating by Morningstar (AZO)
AutoZone logo AutoZone (NYSE:AZO) has earned a “BBB” credit rating from Morningstar. The research firm's “BBB” rating suggests that the company is a moderate default risk. They also gave their stock a three star rating. A number of other analysts have …
Read more on The Legacy

Morningstar Assigns "A-" Credit Rating to UnitedHealth Group (UNH)
UnitedHealth Group logo UnitedHealth Group (NYSE:UNH) has received an “A-” credit rating from Morningstar. The firm's “A-” rating suggests that the company is a low default risk. They also gave their stock a three star rating. A number of other …
Read more on sleekmoney

Rating Agency Affirms Eskom's Credit Rating
"Standard & Poor's (S&P) has affirmed Eskom's local and foreign currency corporate credit rating at 'BBB-', with a negative outlook. On 20 June 2014, the agency placed Eskom on negative CreditWatch, this has now been removed," said Eskom in a statement …
Read more on AllAfrica.com

11/15/14

American Credit Counseling Offers Tips on How to Practice Proper Money

American Credit Counseling Offers Tips on How to Practice Proper Money
“We spend a lot of time talking about money, and virtually everyone has experienced an awkward social situation that involves finances,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “While these situations and …
Read more on Virtual-Strategy Magazine (press release)

Almost All American Consumers Fear Running Out Of Money
Some 64% of respondents feared they wouldn't have enough money to cover their bills http://www.mainstreet.com/article/5-tips-to-cutting-your-credit-card-bills-as-consumer-debt-jumps each month, while 14% stressed about not having sufficient funds to …
Read more on MainStreet

11/13/14

Internet Rules in relation to Cyberbullying Dangers, A NoBullying Article Released Today


London, UK (PRWEB) November 12, 2014

Bullying has become a big problem, particularly among children and teens. However, with the emergence of technology, such as smartphones, tablets and the internet, bullying has gone to a new level. Today teens not only face bullying in school, but they face bullying when they are at home via their phone or computer. Cyberbullying is a serious topic, and it’s important that parents understand how to protect their loved ones online. NoBullying explains rules of the internet in an article released today.

From net neutrality to rule 34, the internet world is filled with all sorts of actual and bespoken rules to govern online safety without damaging freedom of speech and freedom of information. The problem that faces each and every parent and caregiver is that while they understand the importance of a free internet, they can’t help but notice the dangers of cyberbullying, sexting, cyber stalking and harassment that are targeting their loved ones.

The article lists the possible dangers found online such as cyber bullying, sexting, identity theft, hacking and the availability of online porn for everyone to see. It also discusses the ongoing endeavors to protect users from such threats via education and a multitude of software designed for a safer online experience.

There is also mention of internet games and how, while designed for fun, they can still be a hub for multiple dangers for young impressionable users. Internet gaming is growing in popularity as multi-media devices are made more available and easier to use. There are millions of games on the Internet, some Internet games are designed to be played alone, while others are designed to be played with friends or strangers and no one can tell who is playing opposite their child in any game, hence the hidden danger of cyber bullies and online predators.

Ciaran Connolly, Co Founder of NoBullying says “No one can survive without internet access anymore, but the question is, are we aware of the hidden dangers present online targeting children and adults alike?”

He added that parents and teachers should make a point to educate the younger generations about the sad outcome of bullying online and offline. According to Connolly, it is quite imperative to press for more firm laws condemning all acts of bullying and harassment.

NoBullying.com features many pages dedicated to parents, teens, teachers, health professionals as well as posts related to cyber safety and the latest news about law making concerning curbing Bullying worldwide as well as inspirational Bullying Poems and famous Bullying Quotes.

The website regularly updates its bullying statistics and cyber bullying statistics as it is essential to understand how widespread the bullying epidemic is. It also regularly runs cyber bullying surveys and questionnaires to get recent updated statistics on everything related to cyberbullying.

He also added that anyone suffering from bullying in any form or way can always find advice and help on the NoBullying website – but if anyone is suffering from severe bullying or cyber bullying, the best thing is to talk to someone locally – a parent, teacher or local organization that has been set up to help with specialized councilors to deal with this topic.







11/12/14

Top 3 Debt Consolidation Providers In Houston, TX Announced By BestDebtConsolidationLoans.org


Houston, TX (PRWEB) November 10, 2014

The online company BestDebtConsolidationLoans.org recently analyzed the debt consolidation providers available to residents of Houston and is now announcing what it found to be the top three.

“We evaluated these companies based on six criteria,” said BestDebtConsolidationLoans.org spokesman Jimmy Saver. “They were fees, customer service, customer satisfaction, services offered, business ethics and financial standing. Given these criteria, we determined the three top debt consolidation providers available to residents of Houston are National Debt Relief, CuraDebt and Consolidated Credit.”

Many Houstonians definitely need help with their debts, as it has become the top city in the United States for rising credit card debt. In fact, one recent report revealed that Houston had a credit card debt increase of 5.45%, which is nearly twice the national average. Texans in general have an average of $ 5942 in credit card debt and the state’s average credit score recently fell from 716 to 708, a clear indication that many residents are having a problem with their debts.

National Debt Relief was rated as the top debt consolidation provider in Houston by BestDebtConsolidationLoans.org due to several factors, not the least of which is how it charges its customers. “All the funds sent to National Debt Relief by its customers are put into trust accounts that they control,” said Saver. “When and only when National Debt Relief has settled all a customer’s debts to his or her satisfaction and provided an approved payment plan does the company charge a fee. In addition, National Debt Relief has a very liberal cancellation policy. If a client becomes dissatisfied for any reason, he or she can cancel out of their program and will not be charged anything.”

BestDebtConsolidationLoans.org also ranked National Debt Relief highly because it has helped more than 100,000 individuals and families achieve debt relief through debt settlement and consolidation. It has consistently maintained an A rating with the Better Business Bureau and the majority of its customers have reported they were “very satisfied” with the services they received from National Debt Relief.

The company ranked as second best debt consolidation provider in Houston was CuraDebt. It has been in business for 13 years and offers prospective customers a free debt analysis and savings estimate. “We ranked CuraDebt highly for this,” Saver reported,” because it gives customers the ability to see how much CuraDebt might be able to save them before they are required to sign a contract. We found that CuraDebt’s counselors have good working relationships with the credit card companies and are almost always able to deliver on the promises they make their customers.Plus, they are able to help not just with bad credit card debt but also with defaulted loans, tax debts and student debt.”

Consolidated Credit was ranked third best debt consolidation provider in Houston byBestDebtConsolidationLoans.org. The reasons for this were twofold. First, Consolidated Credit is able to offer just one thing – consumer credit counseling. Second, it has only one debt consolidation solution, which is a debt management plan.”We understand that a debt management plan can be a very good solution for some people,” noted Saver. “It’s a way to get debt under control and paid off. However, these plans generally take five years to complete and many people are not able to finish them. People that want faster debt relief would be better off going to either National Debt Relief or CuraDebt where they would find debt consolidation options that could help then become debt free in two to four years.”

Residents of Houston that are struggling to repay their debts should go to the website http://www.BestDebtConsolidationLoans.org for more information on these three companies and on debt consolidation in general.







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11/10/14

Saint Louis University to Host Online Information Session for Military & Veterans on Veterans Day – November 11


(PRWEB) November 09, 2014

The School for Professional Studies at Saint Louis University (also known as SLU for Busy Adults) will host an online information session for active military and veterans on Tuesday, November 11. This half-hour webinar will be held from 5:30 – 6:00 p.m. (CST).

SLU recently approved an unprecedented, reduced tuition rate of $ 400 per credit hour for active military and veterans using Tuition Assistance or GI Bill Benefits. This rate is offered for both new and current undergraduate students pursuing bachelor’s degrees or certificates through the School for Professional Studies.

The online information session will highlight the:

    New lower tuition rate for military in undergraduate programs
    Online aviation management program (available at $ 250/credit hour)
    Free application and admissions process
    Flexible and convenient online classes
    Accelerated 8-week terms
    Credit for prior military training and service through ACE and CLEP

The session will also include information about more than 20 fully online bachelor’s, master’s and certificate programs. Most popular majors for service members include Computer Information Systems, Security & Strategic Intelligence, Aviation Management and Contract Management.

For more information or to RSVP, visit http://www.slu.edu/school-for-professional-studies-home/prospective-students/rsvp-for-slu-information-session

or call (800) 734-6736.

Classes in the School for Professional Studies are typically offered in accelerated eight-week sessions designed for busy adults. SLU for Busy Adults gives working professionals the opportunity to earn their degree with affordable tuition rates and flexible online and evening courses. In Saint Louis University’s tradition of excellence, the School for Professional Studies caters to nontraditional students so they can pursue Bachelor’s and Master’s programs from a globally-recognized university.

For more information about SLU for Busy Adults, visit busyadults.slu.edu or call (314) 977-2330.