Monthly Archive: June 2017

Credit Score Ratings #how #do #you #find #out #your #credit #score

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Previous to shopping for a house loan, you simply must have a look at credit history.

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Delta SkyMiles – Credit Cards from American Express #credit #cards #comparison

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Welcome Offer

Receive 30,000 bonus miles after spending $500 on purchases on your new Card in the first three months.

  • 5,000 MQMs and up to 30,000 bonus miles

    Receive 5,000 Medallion Qualification Miles (MQMs) and 15,000 bonus miles after making a first purchase on your new Card and an additional 15,000 bonus miles after spending $500 on purchases on your new Card in the first three months.

  • 10,000 MQMs and 10,000 bonus miles

    Receive 10,000 Medallion Qualification Miles (MQMs) and 10,000 bonus miles after making a first purchase on your new Card.

    Get a $50 statement credit after you make a Delta purchase on your new Card in the first three months.

    Earning Miles

    for every eligible dollar spent on Delta purchases, and 1X miles for each eligible dollar spent for all other purchases.

    for every eligible dollar spent on Delta purchases, and 1X miles for each eligible dollar spent for all other purchases.


    Make $25,000 in purchases and earn 10,000 bonus miles and 10,000 MQMs each calendar year; make $50,000 in purchases and earn an additional 10,000 bonus miles and 10,000 MQMs each calendar year.

    for every eligible dollar spent on Delta purchases, and 1X miles for each eligible dollar spent for all other purchases.


    Make $30,000 in purchases and earn 15,000 bonus miles and 15,000 MQMs each calendar year; make $60,000 in purchases and earn an additional 15,000 bonus miles and 15,000 MQMs each calendar year.

    MQMs earned through Miles Boost SM can be gifted to friends and family to help them reach Medallion status.

    • Best For

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    • Frequent flyers looking for easier ways to travel
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    Dealing with a Security Breach: Bureau of Consumer Credit Protection #dispute #credit #report

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    Dealing with a Security Breach

    2.) As you read the information, keep in mind that Maine law not only authorizes the placement of a fraud alert, but also permits consumers to freeze their credit reports. Our state’s file freeze law is found at the following link:

    3.) For a discussion about the causes and effects of identity theft, read our information on the subject:

    4.) Information in your credit report will tell you whether someone us misusing your personal data to open accounts in your name. All consumers are entitled to a free report from each of the three national agencies once each year, the link to the truly free annual report is

    Allen, TX 75013-0949

    7.) Finally, here are some frequently asked questions (and responses) relating to identity theft:

    When your identity has been stolen, it may take months or even years before you realize that somebody is using your good credit rating. Checking the accuracy of your credit report regularly can detect signs of identity theft early. Since creditors, employers, insurance companies and landlords are making decisions about you based on the information contained in your credit report, it is a good idea to verify the information. After all, your credit report will follow you throughout your life and can help or hinder you financially.

    How do I get a copy of my credit report?

    The law allows you to receive a free copy of your credit report once a year. To receive a copy of your report, requests should be sent to the three major credit reporting agencies, also known as credit bureaus. You may also get your report online at You will need to supply your complete name, address, social security number, and date of birth with your request. Each credit bureau may have different information. Therefore it is important to obtain your credit report from each of the credit bureaus. Input errors can result in incomplete, misspelled or inaccurate information. Identity theft can also cause incorrect information. Review your report carefully and dispute any errors.

    What should I look for on my credit report?

    Check your personal information; look for addresses that are unfamiliar, incorrect social security number or date of birth and unknown employers. There is no need to be concerned if previous addresses, employers and any other names you have used in the past appear on your report.

    • Review any public records such as liens, judgments, collections, child support debts and bankruptcy. Credit reporting agencies must correct or update erroneous or incomplete entries. If the court document itself is inaccurate, however, you might have to get the court to correct it.
    • Verify your credit history for incorrect information. Look for accounts that are not yours or activity on accounts that you have not used recently. Review your balances, but remember the information may be from a month, maybe two months ago.
    • Pay particular attention to the inquiries section of your credit report. Unauthorized entries, other than routine inquiries for pre-screened credit offers could be a sign that a thief has requested credit in your name or is impersonating a business that has a legitimate right to obtain your credit report. The information they gain may allow them to access your accounts or your personal information.

    What should I do if the information on my credit report is incorrect?

    If you believe there is information that is inaccurate, use the dispute form enclosed with your credit report or the dispute section of the website noted on your credit report. The credit reporting agency is required by law to investigate your dispute, make corrections as appropriate and report the results to you.

    How can I use my credit report to prevent identity theft?

    Monitoring your credit report is a good start; however, there are other steps you can take. You can place a fraud alert on your credit report. A fraud alert directs lenders to verify your identity before issuing loans or credit, typically by calling you first. Creditors, however, aren’t legally required to abide by, or even check for, a fraud alert.

    A new Maine law allows you to place a security freeze on your credit report. A security freeze goes a step further. When a freeze is in place, a lender will be told that it cannot see your credit file because you have a freeze on it. Without seeing your credit report, few lenders will issue credit. Identity thieves can be prevented from opening accounts in your name if you have placed a security freeze on your credit file. But this does not mean that you won’t be able to get credit for yourself or allow potential employers to run a background check.

    How can I place a freeze on my credit report.

    To place a security freeze on your credit file you must send a request, in writing, to the three major credit reporting agencies by certified mail. If you are a victim of identity theft and have reported the crime to law enforcement, the customary fee for the security freeze will be waived. The credit reporting agency will place the freeze within 5 business days after receiving your request. Within 10 days of the freeze, you will receive a confirmation that your credit report has been blocked and you will be provided with a personal identification number.

    How can I remove the freeze?

    You can remove or temporarily suspend the freeze by contacting the credit reporting agencies. You will need to supply proper identification including the password that was provided to you by the credit reporting agencies. The freeze will be lifted within 3 business days of receiving your request.

    What can I do if I am a victim of Identity Theft?

    • Notify local law enforcement. Complete a written report, and request several copies for your files (they can prove valuable when you are working with creditors).
    • Notify the creditors with whom fraudulent accounts were opened, and request the account s be closed. Send each creditor a copy of the police report .
    • Place a fraud alert on your credit reports
    • Freeze your credit report ; the process is free for victims of identity theft.
    • File a complaint with state regulators ( for most general creditors and non-bank lenders; for state-chartered banks and credit unions), and with the Federal Trade Commission (FTC) at:

    Federal Trade Commission

    Debit and Credit Card Fraud #ford #credit #payment

    #credit card fraud

    Debit and Credit Card Fraud

    Debit Card Fraud

    Debit Card Fraud occurs when the information contained on your debit card is stolen and used to obtain funds from your account without your authorization. Card reading devices are used to obtain the electronic data from the magnetic stripe on your card, and hidden cameras or false Personal Identification Number (PIN) pads are used to obtain your personal access code. That’s why it is imperative that you protect your PIN.

    The difference with chip technology

    Cards with chip technology use an embedded microchip to encrypt information, making it more difficult for unauthorized users to copy or access the data on the card. The move to chip-enabled card technology is the latest innovation in an evolving debit and credit card payment environment. Chip technology is already tested, proven and in wide use around the world, and chip-enabled cards are quickly becoming the new global standard for enhanced safety and security.

    Information about Fraud and Debit Card safety

    Protecting our clients from potential losses as a result of financial crime is very important to CIBC. We communicate and work with law enforcement agencies, the INTERAC Association, the Canadian Bankers Association and other financial institutions on an ongoing basis to protect our clients from financial fraud. But, despite our best efforts to prevent fraud, it does occur.

    What CIBC is doing to combat debit card fraud

    While INTERAC shared services are among the most secure in the world, debit card fraud can still occur. As a member of the INTERAC Association, CIBC is committed to helping protect our clients from debit card fraud.

    As well, we continue to make a significant investment in security networks, and training experts who are constantly monitoring and investigating suspicious incidents as they relate to debit card usage. In fact, in many cases, CIBC is able to deactivate debit cards before they can be used fraudulently. We have also streamlined our fraud claim process, as well as simplifying and expediting the reimbursement process for confirmed victims of fraud.

    Your liability if your debit card is used fraudulently

    If you are a confirmed victim of fraud and you have met your obligations under CIBC’s Convenience Banking Service Agreement, you will not be held liable for the associated losses. Review your Convenience Banking Service Agreement for additional details.

    Credit Card Fraud

    Information about credit card fraud and security

    CIBC helps to protect you from unauthorized use of your credit card. We communicate and work with law enforcement agencies, VISA, INTERAC. the Canadian Bankers Association, Credit Reporting Agencies and other financial institutions on an ongoing basis to protect you from credit card fraud. Despite our best efforts, you still need to take precautions to reduce your risk of becoming a fraud victim.

    Common types of credit card fraud

    • Counterfeit: duplicating legitimate credit cards which are then used for fraudulent activities
    • Card Not Present: unauthorized usage of credit card information for fraudulent activities over the internet, phone or mail
    • Lost/Stolen: unauthorized usage of a credit card as a result of it being lost or stolen
    • Identity Theft: obtaining personal or financial information of another person for the purpose of assuming that person’s name to engage in fraudulent activities

    What CIBC is doing to combat credit card fraud

    While a CIBC credit card is generally a secure payment method, credit card fraud can still occur. As a VISA member, CIBC is committed to helping protect our clients from credit card fraud.

    We continue to make a significant investment in security networks and in training experts who are constantly monitoring and investigating suspicious incidents as they relate to credit card usage. In many cases, CIBC is able to proactively identify unusual transactions that could indicate fraudulent activities on a credit card. For instance, CIBC may request a merchant to call us for verification that it is you, the legitimate cardholder, conducting the transaction.

    Liability if your credit card is used fraudulently

    If you are a confirmed victim of fraud and you have met your obligations under CIBC’s VISA Cardholder Agreement, you will not be held liable for the associated losses. Review your CIBC VISA Cardholder Agreement for additional details.

    How you can protect yourself from financial fraud

    Below are some precautions you can take to safeguard yourself and avoid becoming a victim of debit or credit card fraud:

    • Use your hand or body to shield your PIN from onlookers when you are conducting transactions at a bank machine or at the point-of-sale
    • Never let your debit or credit card out of your sight when conducting a transaction at the point-of-sale
    • Always remember to take your card and transaction record with you once your transaction is completed
    • Regularly check your billing statements or passbook to verify all transactions have been properly documented. If entries do not accurately reflect transaction activities (e.g. if there are missing or additional transactions), you should contact your CIBC branch or CIBC Telephone Banking at 1-800-465-2422 immediately
    • If your debit card is lost, stolen or retained by a bank machine, notify a CIBC branch or CIBC Telephone Banking at 1-800-465-2422 immediately
    • Your debit card and PIN are the keys to your account(s). Never disclose your PIN to anyone or you could be liable for losses. You are the only person who should know it
    • Memorize your PIN. If you suspect that someone knows your PIN, change it immediately or notify a CIBC branch or CIBC Telephone Banking at 1-800-465-2422
    • When selecting your PIN, never use obvious information. You could be liable for losses if you create your PIN or Password by using easily guessed numbers such as your telephone number, date of birth, address or social insurance number
    • Sign your credit or debit card on the signature panel as soon you receive it
    • Never give credit card or personal information over the phone, unless you have initiated the call and you have verified you are dealing with a reputable merchant
    • Report lost or stolen credit cards to CIBC immediately at 1-800-465-4653
    • If you receive a message from CIBC regarding a potential fraud situation, contact us immediately

    Your Credit Score #apply #for #credit #card #with #no #credit #history

    #check my credit score free

    Credit and Personal Finance Blog

    January 19th, 2009

    Your Credit Score

    Let s suppose that your credit card payments are far behind. You are not using the accounts, and you are managing to pay enough to prevent getting hit with charges associated with poor credit. You have talked with your creditors and everything is made good. None of this will bolster your credit score towards the positive. It may make it seem like the best thing to do is wait the seven years for the credit report to refresh. However, trying to play the waiting game and hoping delinquent accounts to fall off the report is in general a bad idea. Credit scores tend to go down much more easily than go up, and all of this take place on longer time frames, meaning that patience is very important. All of that said, it is important to pay off all debts as quickly as you possibly can.

    It is always the more favorable option to repay your debts than to wait things out. Being tempted to save and wait things out may seem like a good course of action, but when it comes to making a large purchase, such as for a car or house, debts that are not paid will disqualify you. Paying your debt late, even if the accounts are sent to collection agencies, will still demonstrate that you are going to pay off the mortgage, and is much better than not having paid off a debt.

    Another thing to consider is the pain it will be once the decision is made to default permanently on the debts you owe. This makes you a target for property liens, bill collectors, lawsuits and so on. This could lead to loss of property and having your paycheck garnished. It is much better to pay off the debt that is owed, foregoing dealing with the harassment coming from collectors and the potential for litigation.

    Repayment of debts should be done for the betterment of your credit score, and doing so whilst the account is open will appear much better to the credit bureaus. On-time payments account for more than a third of your credit score. the model for credit that is used by the most lenders. It is for this reason that payments made on time will greatly benefit you credit score. Trying ones best to make the full monthly payment will have nothing but positive results with your credit score.

    The bottom line is that you entered an agreement to pay off your debt according to a schedule. Not following this schedule gives the lender the ability to report to the credit bureau and worse, take repayment from wages and property. If you have to miss a payment, then miss the payment but pay what you can when you can. Some people will let their debt sit and go on forever, and in seven years time they get off without the bad mark on their report. You will have to wait the same time to get the same result, but you will not risk property in the progress, and obtaining mortgages and loans down the road will be much easier for you.

    Photo Credits: 1

    Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

    Related posts:

    1. What is the Biggest Obstacle For Your Credit Score? If you are struggling with a low credit score and can’t seem to make any progress, it is important to.
    2. Protecting Your Credit Score in the Credit Crunch Protecting your credit score during the credit crunch is absolutely vital if you want to get through this period of.
    3. Simple Steps for Improving Credit One of the most important considerations when it comes to acquiring a loan for a car or a house is.
    4. Do You Know What’s NOT In Your Credit Score? Most all of us rely on credit at some point in our lives. While you may already know your credit.
    5. Celebrate Your Financial Independence! Your Credit Score Will Get You There As we celebrate America’s Independence Day, why not start working on your own financial independence by better managing your credit.

    Credit score american express #credit #report #canada #free

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    Monitor your credit score and get 3-bureau credit reports with CreditSecure? Monitoring from American Express. With daily credit report monitoring and e-mail. It s important to note that raising your FICO credit score is a bit like losing weight: It takes time and there is no quick fix. The best advice is to manage credit. Find the best American Express credit card for you. Amex reviews and recommendations based on credit score. usage patterns, and user feedback. Apply online. Nov 19, 2014 . American Express is piloting a new program that would provide free FICO credit scores to card customers. It could roll out for all customers in. CK had my odds of getting this card as fair. I decided to apply anyway. My scores are as follows: EQ 680 EX 692 TU 686 CK 686. I have a few blemishes on my. What is the minimum credit score needed for an American Express card? My estimated requirements for Green, Gold, Platinum, Blue, and others.Aug 26, 2015 . American Express cardholders now have free access to a key metric to help them know where they stand with their credit. their FICO score .I have been rebuilding for 2 years now and really want an AMEX. Credit Score History: 708 EQ (2011-07-01) | 682 TU (2011-06-30) | 693 EQ. Nov 5, 2010 . Charge cards don t factor into your credit score the same way standard credit cards do. American Express Premier Rewards Gold Credit Card. American Express FICO Score Requirements, Starwood Preferred Guest s Amex and Inside Industry Scoop on Credit Scores. My friend, Mike Arrington, had a.

    Credit Reports and Credit Scores Are Not the Same #annual #free #credit #reports


    Personal Finance News and Advice

    Credit Reports and Credit Scores Are Not the Same

    There’s still some confusion out there about credit reporting vs. credit scoring. We’re constantly working to raise consumer awareness of credit issues, and we advocate checking your credit reports, for free, at least once per year. This is not the same thing as purchasing a credit score.

    The credit report contains all of your relevant credit file information: your debt repayment history, your credit accounts, public record information, inquiries, collection items, etc. By visiting you can view a free copy of your report once per year from each of the three major credit bureaus–Equifax, Experian, and Transunion.

    Checking your credit report is essential because you must ensure the accuracy of the information in your credit report. This will help you discover whether your identity has been compromised or if you have been the victim of identity theft or fraud. You’ll also be able to make sure your payments have been credited properly and that no one is claiming you owe a debt that is not actually yours.

    Studies have shown that credit reports frequently contain errors. One in four reports was found to contain errors that were serious enough to affect the consumer’s creditworthiness. When you consider how many consumers the credit bureaus have to keep track of (over 200 million in the U.S. alone), it’s amazing they don’t make even more mistakes.

    Credit scores explained

    Credit scoring was pioneered by Fair, Isaac Corporation, now simply called “FICO”. Your FICO score takes the information contained in your credit report and boils your file down to a number that quickly tells lenders whether you are a good credit risk. The score ranges between 300 and 850.

    FICO scores have been found to be a remarkably good predictor of credit behavior. In that sense, a credit score is never “wrong.” But it is calculated based on info in your credit report, which can skew your score if it contains inaccuracies.

    Why you don t always need to request your credit score

    The truth is, you don’t need to check your credit score with the same frequency that you check your credit report. We advise checking your report every year (or more frequently, depending on your circumstances). We only advise purchasing a FICO score if you are going to be making a major purchase soon (a mortgage or auto loan) and you want to ensure that your score is high enough to win credit approval.

    The bottom line, then, on credit reports vs. credit scores:

    • Check your credit report frequently. Do this for free at .
    • Don’t worry about your credit score as much. Only check this when you’re going to be applying for a major loan soon.
    • Credit scores are not available for free like credit reports are.
    • Some websites may offer “free credit scores.” Avoid them, as they are usually scams.
    • Work to ensure that your credit report is accurate and up-to-date. If you do that, your score will take care of itself.
    • Learn more about credit reports and scores by checking out our “Understanding Your Credit Reports and Scores ” course and our “Consumer Guide to Good Credit ,” both available for free right here in the FIT Academy .

    GD Star Rating

    Credit Reporting #dispute #credit #report

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    Credit Reporting Services

    Reduce your risk with ICMS Credit Reporting services

    ICMS are one of the leading Credit Reporting Agencies in New Zealand

    We are Proven

    Your report will be of the highest possible standard, and are endorsed by leading credit insurers and major agencies world-wide.

    We employ a number of qualified chartered accountants with both professional and commercial experience ensuring we provide you with an accurate. proficient and timely report.

    Our Scope

    ICMS CreditSystems is the exclusive New Zealand and Australian member of the ASIAGATE Group.

    Asiagate members are specifically selected credit reporting agencies based on their size, establishment, integrity and reputation from each country. Currently Asiagate covers China, India, Indonesia, Hong Kong, South Korea, Malaysia, New Zealand, Taiwan, Thailand and Vietnam.

    Our clients benefit from having access to sound credit reports on Asian companies they either insure, or supply to. With access to Asiagate reports clients can be assured that the information collected is of the highest standard.

    Why order a Credit Report?

    When a new customer applies to your company for credit, it is important you know who you are giving credit to. Get a comprehensive Credit Report on the company.

    Credit Reports are a financial investigation on a company that details all the necessary information you need to make an informed decision as to whether you will offer credit. Without this information you may become another victim of a company that has left a trail of bad debt behind them.

    • We don’t buy cars without getting an AA Check
    • We don’t buy houses without getting a LIM Report or Building Inspection
    • No one should offer credit without getting a Credit Report

    So don’t go in to a business relationship blind.

    Order Credit Reports Online

    ICMS CreditSystems provide an online Comprehensive Credit Reporting dashboard that offers a range of credit management and risk analysis reports to assist in the credit providing process.  At ICMS, we provide excellent credit reporting service by utilising the modern technology to offer the efficient information that you need. Our team of experienced professionals are specialists in credit reporting and provide up-to-date information to assist your decision making.

    Once your account has been set up you will have access to all products at a click of a button from anywhere, anytime. Alternatively, you can order a credit report online and pay using your credit card.

    Get in Touch

    You can contact us below to request a Credit Report on a New Zealand or Australian company and we will be in contact as soon as we can.

    Credit Reports, Free Credit Scores, Identity Theft Protection Reviews: My – Credit #how #do #you #get #your #free #credit #report credit

    Did you know there are over 100 different credit reporting companies to choose from? We have done the research to narrow it down to the “BEST 3” companies to look to when you are looking for a credit report and/or credit score. We have looked in detail at what each company offers, have talked directly with each company, compared trial periods, pricing, Better Business Bureau (BBB) complaints, and much more to find the companies that you should be dealing with.

    You might ask, “Why did we do this and what’s in it for us?” It’s simple. Back in 2004 I was the victim of identity theft and it took me over 3 years of constant battling with the credit reporting companies to get my credit fixed. After this devastating ordeal, I made it my mission to make sure others are educated so this doesn’t happen to them. There were some simple, inexpensive, steps that I could have taken to prevent my identity theft. For example, I could have used one of the services below to check my credit report and score often so that I could have seen the changes to my credit report before it was too late. With the services below, they all offer 3 bureau credit monitoring which is very important so that I would have been immediately notified of changes to my credit report. In addition, two of these companies below offer a $1 million Identity Theft Guarantee so that if anyone tries to steal my identity while I am using the service, I am protected for $1 million which is a great feature. I sure wish I would have had something like this back when it happened to me.

    I hope you find valuable and if you have any credit reporting companies you are considering and it is not in the list below, send us an email and we will tell you whether we recommend them or not.

    Credit Score Estimator – 5 Star Ford North Richland Hills, Dallas, Fort Worth, Texas #free #credit #report #annually

    #credit score estimator

    Dallas Ford Dealer – North Richland Hills, Texas

    Welcome to 5 Star Ford of North Richland Hills, a leading Ford Dealership Dallas Fort Worth area. We have a huge inventory of new Ford trucks, cars, SUVs, vans and commercial vehicles. Our service department, collision center and parts and accessories departments are all staffed with friendly Ford experts who will help you in any way they can. We service the following communities at 5 Star Ford: Dallas, Fort Worth, DFW, Keller, Haslet, Grand Prairie, Richardson, Plano, Bedford, North Richland Hills, Arlington, Euless, Frisco, Carrolton, Garland, Lewisville, Irving, McKinney, Denton, Mesquite.

    Ford Trucks, Cars, SUV s, Hybrid Vehicles

    5 Star Ford Dallas Fort Worth Dealership has a full lineup of New Ford Cars. Trucks, and SUVs. Browse our entire inventory online. Our Ford lineup includes Ford C-Max, Ford Mustang, Ford F-150, Ford Edge, Econoline, Ford Fiesta, Ford Escape, Expedition, Explorer, Ford Flex, F-250, F-350, F-450, Focus, Fusion, Transit Connect, and new Ford Taurus. Use our Build Your Ford feature to see detailed information including, trim levels, specs and MSRP pricing for each model on our lot. Ford EcoBoost turbo-boosted direct-injection engines offer superior fuel efficiency with a smaller carbon footprint, all while boosting your vehicles power and torque.

    DFW Used Cars Dallas, Fort Worth, North Richland Hills

    Looking for used cars in Dallas or DFW area? We have a great selection of Used Ford Trucks. used cars, vans and SUVs for sale in the Fort Worth area including the: Edge, Econoline, Escape, Expedition, Explorer, Flex, F-150, F-250, Focus, Fusion, Mustang and Taurus. We have plenty of other pre-owned makes and models as well, so you are sure to find the right used car, truck, van or SUV to fit your budget. For extra savings see our Used Cars Under 10K page, here you will find some of the best deals we have to offer. There are lots of Ford Certified Used Cars and trucks to choose from, these vehicles have undergone a 172-point inspection and come with a Ford warranty.

    Ford Commercial Trucks, Fleet Vehicles and Econoline Vans for Sale

    5 Star Ford Dallas Fort Worth has an extensive Ford Fleet and Commercial Vehicle inventory. We offer a solution for every type of work environment. From the dependable F Series trucks: Ford F150, F250, F350, F450, F550, F650 and F750 to the flexible Ford Econoline van series: E150, E250, E350 and E450 there are plenty of options for hauling and cargo transportation. Our commercial and fleet customers come to us from all over the Dallas Fort Worth area. We hope that you too will consider Five Star Ford your Ford Fleet and Commercial headquarters.

    Ford Repair, Service, Parts, and Accessories

    Dallas Ford service, repair, parts, and accessories – Sam Pack’s Five Star Ford is your one stop shop. Our factory trained technicians perform Ford service, maintenance and repairs in our state-of-the-art DFW Ford Service Department or Ford Collision Center. As Ford service and repair specialists we perform work on new Ford vehicles including the Ford Edge, Econoline, Escape, Expedition, Explorer, Flex, F-150, F-250, F-350, F-450, Focus, Fusion, Mustang, Ranger, Transit Connect, and Taurus. To save time you can Schedule Service Appointments or Collision Center Estimates online to fit your busy schedule. We use Genuine Ford OEM Replacement Parts. pulled from our stock or special ordered as needed. For your convenience you can Order Parts Online. If you are searching for a hard to find Ford part or accessory let us know. Chances are we can locate it, order it and have it available for pick up within a few short days.

    Special Offers, Financing, on New and Used Ford – Dallas Fort Worth Area

    The Five Star Ford Finance Department is available to help you find the best prices and special deals on new and used Ford cars, trucks, vans and SUVs. Our experts are always on the lookout for factory Rebate Incentives, special pricing and low APR rates to help you get a great price on the Ford of your dreams. For extra savings make sure to visit our New Specials and Used Specials pages. To determine how much you can expect to receive for your trade in, use our Value your Trade option. You can also Apply for Ford Financing online.

    Five Star Ford North Richland Hills Dallas Fort Worth Ford Dealer

    We hope the you enjoy browsing our website and blog. Visit our beautiful Ford dealership, we are located at 6618 NE Loop 820, North Richland Hills, TX 76180. See our dealership group site at and other dealerships including Carrollton-Dallas Ford. Lewisville Ford and Plano Ford. We are proud to be of service to the residents of North Richland Hills, Dallas Fort Worth and the communities of: Bedford, Grand Prairie. Richardson. Keller, Arlington, Plano, Euless, Rockwall, Pilot Point, Frisco. Hurst, Carrollton, Duncanville, Haslet, Garland. Lewisville, Irving. Denton, McKinney, Southlake, Mesquite and Waxahachie. For hours of operation and a map to our location visit our Hours/Directions page.

    Military Loans Bad Credit – Just Military Loans #check #credit

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    Military Loans Bad Credit

    Personal loans from $1,000 – $10,000.
    Fixed monthly payments and competitive interest rates.

    If you need money quickly and you have bad credit, you may still qualify for a military loan from Just Military Loans. You qualify with at least 9 months or more of active duty remaining. We accept all credit levels because we understand you are more than just a credit score. Get started now with our fast, easy and secure application process.

    Military Loans Bad Credit

    At Just Military Loans, we specialize in loans to military personnel. It s all we do! We have developed a comprehensive underwriting model that takes into consideration elements of your personal life and your military career. Unlike other companies, we don t judge you on only a three digit credit number. See how easy it is to get a military loan by filling out our simple application. It takes minutes to complete and you will find out how much money you are approved for the same day.

    How to Fix Your Bad Credit with a Military Loan

    It doesn t matter if you are currently serving in the U.S. military or only 9 months away from re-entering civilian life, credit scores are one of your most important thumbprints in determining if you can finance a new or used car at a competitive rate, qualify for rental housing, or purchase a home. Your credit score has a major impact on your entire life. Your credit rating is also known as your FICO score. The word FICO stands for the Fair Isaac Company which developed this form of calculation to determine your credit related consumer spending and pay-back habits.

    One of the best ways to improve your FICO score is to take out a loan and repay it in a timely manner. Establishing new patterns of positive repayment history go a long way to repairing your credit. The best part is that with our automated installment plan you will never miss a payment and you will begin to improve your credit score without any effort.

    Credit Repair Company – Credit Repair Services #no #credit #credit #card

    We offer Personalized. Not Computerized Credit Report Repair!

    No two people’s credit reports are exactly the same! So, no pre-set computer program is going to be as effective as real, skilled credit report correction counselors. Period! At Fowler and Fowler we offer personal and professional service, we are real people working hard for our clients. Of course we use technology, but we do not rely on it to perform the task of credit report repair. We do not scan credit reports and have an automated system produce duplicate dispute letters to mail to the credit reporting bureaus. We have skilled counselors that analyze your credit reports, then determine the best possible plan for maximum results. Then we draft unique and individual letters to the credit reporting agencies or to the creditors, collections agencies, or courthouses, depending on your unique and individual needs. NO computer program can do that! When you call our office you will not be patched through to a call center full of unskilled telemarketers that read a pre-written script of answers to the most commonly asked questions . Instead you will speak to your assigned counselor, and they will answer your questions directly and personally. With identity theft becoming the largest crime in America do you really want call centers and out-sourced companies accessing your personal financial information? Before you decide on a Credit Repair Company please consider these differences. (click here )

    With interest rates going up, the motive and importance of having your credit scores as high as possible has never been greater! Statistics show that 79% of all credit reports contain errors, these errors are costing consumers millions of dollars in interest a year! You have the right to challenge inaccurate, out-dated, and unverifiable information that is reported on your credit report. You also have the right to hire a professional to assist you. Fowler and Fowler has been in the credit repair business since 1998, and we have helped tens of thousands of people get the credit they need and deserve. We are honest, straight forward and dependable. There is no secret to success, it takes hard work and determination, and that is what we offer you at Fowler and Fowler. Click here to read more about our services.

    If you are serious about improving your credit rating, call us today and speak with a Credit Repair Specialist! The call is free, and the service is backed by our Money Back Guarantee. We will even look at your credit reports before you enroll in our program.

    Credit Repair Software – Credit Solutions Guide #find #your #credit #score #for #free

    #credit repair software

    Credit Repair Software

    Many people want to repair their credit on their own, but aren t sure how. Credit repair software can help to make the process easier and more effective.

    One of the first things that people learn when they are planning to repair their credit on their own is that they have to write the notorious credit dispute letter. The dispute and repair letters are essential, but it can be a long tiresome process. Write these letters correctly and you ll find that you have excellent results, but do it the wrong way and you might find that you re dealing with an even bigger mess.

    Credit dispute letters what they are

    The credit repair letters that are most often used are the dispute letters. This is a letter that a consumer sends to the credit reporting agency to address certain issues that come up on a credit report such as: incorrect personal information, incorrect debts or late payments reported, as well as debts that appear on credit reports which the individual has not incurred.

    When a dispute letter is written correctly, the credit bureau that reports the discrepancy must prove that the information in question is valid. Many times if the negative information cannot be confirmed it will be removed from the credit report and that can boost the credit score in no time.

    In other cases, consumers may find that the information in question can be validated, in which case it may be necessary to pay off the debt or follow up in other ways.

    The disputing process can be tough

    While it s important for people to know that credit repair can be done by individuals, it is also essential that people realize that credit repair isn t always easy. The disputing process can be long and drawn out and many times the credit repair letters themselves need to be tracked and responses kept track of. Many people choose to make a spread sheet or write it all down.

    There is another way to keep track of disputes and make sure you have the right formatting for these essential letters. Many people have found that investing in credit repair software is the best tool they ve ever used to help them repair their credit. This software provides formatting for dispute and repair letters, essential steps to take through the whole process and even tracks the responses that credit bureaus provide.

    Having control over individual credit can be the single best tool to providing financial freedom and a good credit repair software program can make it easier than ever to boost credit scores and get credit ratings in line for life.

    CREDIT REPORT ERRORS? 24 #best #credit #cards #to #have



    Do you have credit report errors? 

    We represent consumers with credit report errors.  Credit report problems can be a result of identity theft or a consumer reporting agency s failure to assure the maximum accuracy of its files.  The most common credit report complaints we hear include:

    Identity theft information in the consumer s file as a result of theft of identity

  • Mixed files information in the consumer s file that belongs to another consumer
  • Obsolete information derogatory information older than 7 years
  • Public records inaccurate judgment, lien or bankruptcy information
  • Credit report errors can keep you from getting credit, employment, housing and insurance. Banks use credit reports to determine eligibility for mortgages and loans.  Credit card companies use credit reports to determine whether to extend credit and if so at what interest rate.  Employers use credit reports to decide whether to hire, promote or fire employees.

    What information is in your credit report?

    Your credit report is divided into several sections, including your personal information, public records, account information and inquiries.  Your personal information includes your name and name variations, date of birth, Social security number (and variations), current and prior addresses, phone numbers and employers.  The credit bureaus obtain this information from your existing and potential creditors, as well as you when you provide information to the bureaus to request your credit report.

    Your credit report includes public record information.  Public records include bankruptcies, civil judgments and tax liens.  The credit bureaus obtain public record information from their public records vendors, such as Lexis Nexis.

    Your credit report includes your accounts.  The accounts generally are listed in alphabetical order and may be divided between derogatory and satisfactory accounts.  Derogatory accounts reduce your credit score.  Examples of derogatory accounts include late payment history (30, 60, 90, 120 or 180 past due), charge off status or collection status.

    Your credit report includes an inquiry section.  In the inquiry section, the credit report will list the names of the companies who received your credit file in the last two years.  The inquiry section also indicates the type of inquiry made.  Hard inquiries are seen by others and can reduce your credit score.  Soft inquiries are shared only with you, and do not affect your credit score.  Inquiries must be made for a permissible purpose, so review this list carefully and make sure the companies had your permission to see your personal credit file.

    Consumers should review their credit reports regularly to find credit report errors.  Under federal law, consumers have the right to a free credit report from the credit bureaus at least once every twelve months.  You can click  Annual Credit Report Request Form   to order your free credit report from Equifax®, Experian™ and TransUnion®.  We do not recommend that you order your report on the Internet or by telephone.  Contact us at 1-800-263-9091 to find out how you can order your free credit reports.

    When you receive your credit reports, you should check them very carefully for errors.  An incorrect address, name or date of birth could mean your file is mixed with another person.  If you find an account or public record that does not belong to you this could mean you are a victim of identity theft.

    Reviewing your credit report on a regular basis will help protect you from identity theft . Credit reports with inaccurate names, public records, accounts or inquiries may be a red flag that you are a victim of identity theft. Incorrect information on your credit report caused by an identity thief can keep you from getting a job, credit or insurance.

    You should always dispute credit report errors – it’s your right under the Fair Credit Reporting Act (FCRA).  If any of these sections contain incorrect information on your credit report, then you should dispute the credit report errors by certified mail to each of the credit agencies.

    We represent consumers who have credit report errors and who have made credit report disputes. We represent clients in individual lawsuits and class action lawsuits against credit reporting agencies, employers, creditors and debt collectors.  The Fair Credit Reporting Act (FCRA) promotes the accuracy of credit reports and the privacy of personal information.  Under federal law, consumers have the right to get a free credit report:

    1. Once every 12 months consumers can order an   Annual Credit Report   (free credit report).

    2. When a company takes adverse action, such as a denial of credit or employment or approves you for credit but with unfavorable credit terms, such as a high interest rate or requiring a deposit.

    3.  If you are unemployed and looking for a job in the next 60 days, then you have the right to order a free credit report.   If you are looking for a job it is a good idea to review your credit report before your future employer does. This right gives consumers the opportunity to dispute and correct credit report errors before turning in a job application.  The FCRA also provides employees with important rights when employers conduct background checks.

    4. Recipients of public assistance have the right to a free credit report.  Public assistance includes Medicare and Social Security.

    5. Fraud or identity theft victims have a right to a free credit report.  If you have been a victim of fraud or identity theft, then you have the right to order 2 free credit reports every 12 months from the credit bureaus.

    6. State law provides consumers with the right to a free credit report in addition to your right under federal law.  For example, Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont have state laws which provide consumers with the right to order a free credit report.  In Georgia, consumers have the right to order 2 free credit reports per year.

    Once you get your reports you should check each report for errors. Under the FCRA, consumer reporting agencies are responsible for correcting inaccurate or fraudulent information on your credit report after you dispute the credit report error. In other words, credit bureaus must investigate your dispute and delete incorrect information.


    1. Notify the credit reporting agency in writing of the information you believe is incorrect.
    2. Include copies of supporting documents, such as proof of payment or an ID Theft Affidavit .
    3. Include your contact information, name, address, and Social Security number.
    4. Mail your dispute by certified mail and request a return receipt.
    5. Keep your letter simple and clear.   Explain what information is inaccurate and why. Ask the credit reporting agency to delete the inaccurate information from your credit file.
    6. Keep a copy of the dispute letter for future reference, especially if you have to hire a FCRA lawyer.
    7. Contact a FCRA lawyer if the credit bureaus do not correct your report.  Consumers have the right to sue the credit reporting bureaus and data furnishers in federal court for violations of the FCRA.

    Click HERE to download a free sample credit report dispute form.

    If you have reviewed your credit report and disputed the incorrect or fraudulent information, and the credit reporting agency has refused to remove the credit report errors, then you may be entitled to recover money damages.  Contact Fair Credit Reporting Act attorney Micah Adkins for a free credit report review.

    CONTACT US 24/7 AT 1-800-263-9091.

    Credit Repair Help for Active Military Personnel – Start Repairing Now #credit #cards #to #rebuild #credit

    #free credit repair

    Credit Repair

    Having a good credit score is important to your financial future.
    Military installment loans can help to repair your credit.

    We care about your financial well-being. We understand that there are times you’ll need a personal military loan that offers quick approval turn-around time and simplified payment terms. Your credit score is very important to your finances. Creditors look at your credit score, which is also referred to as your FICO score, and make a decision about your credit eligibility.

    The higher your credit score, the lower the interest rates you’ll pay on credit cards and other loans, including mortgages and automobile loans. Landlords, cell phone companies and future employers look at your credit score, because if you aren’t responsible with money, you might not be a good tenant or employee.

    1. Review your credit report regularly.  You’re entitled to receive a free credit report listing all three of the credit reporting bureaus activity of your credit status once per year.
    2. Contact your creditors. If the credit bureaus tell you that your creditors have verified incorrect information, you’ll need to contact the creditors directly to argue your case. If you succeed in getting the creditor to remove the item from your credit report, make sure you get a letter from the creditor acknowledging the error.
    3. Don’t be a credit-holic. Applying for a lot of credit at one time usually has a negative impact on your credit score. Always review all credit card offers you receive carefully and choose wisely.
    4. Pay on time. The single most important thing you can do to keep your credit in good standing is to pay your bills on time, even if you need to pay the monthly minimum. If possible, try to sign up for online billing.
    5. Keep your balance low. Keeping a low balance, even if you have a high credit limit, tells your credit card companies that you know how to manage credit and that you’re not maxed-out due to lack of savings. Charging expenses up to your credit limit will hurt your credit score, especially if you don’t pay off your balances in full every month.

    At Just Military Loans, you can get a short-term installment loan with our no-hassle application that takes just minutes to complete. You can also click on for free financial tips, including how to repair your credit rating. We only serve active duty military men and women with at least 9 more months of service ahead, and that’s why we have become experts at helping you navigate the challenges of managing your personal finances while you’re serving our country. When you need emergency cash, we don’t push piles of paperwork your way. Our online loan application takes minutes to complete and in many cases, you’ll know in a day or two that you’ve been approved.

    The repayment terms on your military loan are easy, and the interest rate is very competitive. But we’re more than a lender to active duty military; we’re also your go-to source for free financial tips on topics ranging from how to stick to your budget to how to repair poor credit. For emergency personal loans and long-term financial tips, count on the lender that serves only active duty military personnel. We’re Just Military Loans. We’re on your side. Our Application Process Takes Minutes

    Credit Cards for Bad Credit History #usa #credit

    #guaranteed credit card approval

    Credit Cards for Bad Credit

    Your credit history and rating may be bad, that doesn t have to mean you won t have any opportunity to pay for your purchases with a credit card.

    Vanquis Visa Credit Card

    Do You Have a Bad Credit History?

    As soon as you apply for a credit card, your application will result in a credit rating background check by the credit card company.

    Various credit agencies have records of your credit track record, and if you have a bad credit history, this will show up in the records.

    With the result that you will experience difficulties obtaining a credit card offered by most credit card companies.

    The Vanquis Visa Credit Card is issued by a bank that has already accepted 2.8 million people. (Information correct as at June 2015).

    Many of these people had a bad credit history when they applied for the Vanquis credit card.

    These people are now able to enjoy the ease of use of being able to pay with credit, it sure makes shopping online a whole lot easier!

    And the best part is that by using your Vanquis Visa Credit Card you will slowly rebuild your credit rating. and work your way up to a stronger credit profile.

    To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time.

    Not doing so could harm your credit rating and make obtaining credit more difficult.

    Credit Cards in Thailand #company #credit #check

    #credit card compare

    Find and Compare the Best Credit Card Deals Now!

    Best Credit Cards for Shopping in Thailand

    Thailand has no shortage of shopping malls. For many of us who live in the city, a week without dropping by the mall can seem, well, weird. It’s hard to resist checking out the latest offerings from some of the top fashion brands at Siam Paragon or CentralWorld, or to get your hands on the latest gadgets on offer at Pantip Plaza.

    So how can you tell which credit card is the best for shopping? First off, you should know that not all credit cards are the same. While many credit cards can help you pay for goods and services almost anywhere, the rewards that you get for swiping your card varies from card to card.

    Some cards let you earn cash back when you spend, while some cards are best for earning air miles faster. When it comes to shopping, the best credit card would be one that gives you discounts when you shop at your favourite store! Great bonus if you get a one that offers you the option to choose your own rewards!

    Other perks that you can get from your shopping credit card is that you can get access to reserved parking slots. If you’ve ever tried finding a parking slot at a mall’s parking lot during a payday weekend, you’ll know how convenient this perk can be! No more driving around the mall’s parking lot looking for a slot when you can be relaxing at the mall already!

    Best Credit Cards for Online Shopping

    Credit cards have made it easy for a lot of people to shop online. With a credit card, it’s easy to settle payments with e-commerce stores; and if you choose a card that is co-branded with online shops, you can enjoy discounts from that online shop when you use your card with them.

    Apply Online for a Credit Card That’s Best for Shopping

    It’s easy to compare credit cards in Thailand with Money Guru. Looking for a credit card that allows you to enjoy discounts from some of the biggest malls? You can find that, and more, on Money Guru. Thailand’s leading comparison portal.

    Browse through dozens of credit cards in Thailand to see which one lets you enjoy big discounts from your favourite department stores, clothing stores, shops, boutiques, and specialty stores! Compare features and perks of credit cards co-branded with Central, Robinson, or Tesco and avail of discounts of as much as 10% when you shop at these malls. You can also earn reward points, air miles, or cashback, so apply for your very own shopping credit card now!

    Credit Cards With Cheap Interest Rates #student #credit

    #cheapest credit cards

    Who has the cheapest credit card interest rate?

    Information verified correct on November 18th, 2015

    A credit card with an extremely low interest rate may be easier to find than you think.

    One of the most basic financial tools most Australians have in their arsenal is the credit card, and one of the most basic charges you’ll be familiar with if you have one is interest.

    Finding a credit card with a relatively low interest rate can be a money saver for the right type of spender.

    Comparison on credit cards with some of the lowest interest rates

    $99 p.a.

    How do credit cards with a cheap interest rate work?

    Credit cards with low-interest rates work in the same way as a regular credit card. You make purchases using your card, receive your statement, and then pay part or all of the funds due.

    These cards have a few general characteristics, although because of the ever-evolving market, these aren’t hard and fast rules:

    1. Lower annual fees
    2. No rewards programs
    3. Higher number of interest-free days
    4. Usually aren’t platinum cards.

    Before you start looking at these types of cards ask yourself:

    • Do you regularly pay interest on your balances each month?

    Don’t simply go for the card with the lowest interest rate if you pay your card off in full each month. Cards with low or no annual fees can be a better alternative in this case.

  • Would a balance transfer be more useful? 

    The balance transfer period, how much you can actually transfer, and if you transfer from one particular lender to the other.

  • How to compare credit cards with low-interest rates

    Compare credit cards with low-interest rates by looking at the factors listed below:

    Interest rate

    The main reason why you probably want a credit card with a low-interest rate is because you’re going to be paying interest each month. Ensure this figure is reasonable in conjunction to the annual fee.

  • The annual fee

    In addition to the interest rate, the annual fee will be an indicator of how much you’ll be paying each year.

    • Current deals

      Many credit cards offer low purchase rate or balance transfer rate deals as an incentive. These can be useful depending on how you’re going to use your card. If you’re getting a low interest rate card to make a big purchase when you first get your card, a low or 0% purchase rate deal might be a good option.

    • Hidden fees and charges

      If you travel overseas often, using your card to make purchases in foreign currencies can incur foreign transaction fees and ATM withdrawal fees. You can also be charged fees for cash advances, late payment and more. If you re likely to incur a number of these, you might want to find a card with lower fees.

    • Rewards programs

      Some cards with low purchase rates may also come with a rewards program. These can add to the cost of the card through higher annual fees, so calculate the value of any rewards you’re likely to receive in a year and ensure it equals or exceeds the annual fees you’re going to pay.

    • Interest free days

      Credit cards on the lower side of the interest rate spectrum are no different to regular credit cards. Some cards will come with no interest free days, whereas others will come with 55, and yet some will sit somewhere in between. How many days you need to pay each statement off depends on you.

    Pros and Cons of credit cards with the cheapest interest rates

    • Pay less in interest
    • Pay less in annual fees
    • Most give you 55 days interest-free
    • Uncomplicated it’s just you, your card and your purchases
    • No rewards programs
    • No platinum benefits e.g. concierge, discounts,
    • complimentary insurances

    Things to avoid with a credit card with a cheap interest rate

    As always, credit cards require discipline, and even if a credit card has a low interest rate this rule still applies. Here are some other things to avoid with this type of card:

    Frequently Asked Questions

    What’s better, a credit card which always has a low purchase rate, or a card which has a low introductory purchase rate offer for a number of months only?

    Credit Cards: College Students Know Little About Their Own Credit Cards #student #credit #cards #with #no #credit

    #college credit cards

    College Students Are Credit Card Dunces

    Even after lawmakers made it harder for banks to give college kids credit cards, credit card debt is still a big problem on U.S. campuses. A new study pinpoints the simple, frustrating reason why: Students don t know anything about the fundamentals of credit card use. It is clear the status quo of financial literacy is a failure, they write. So, just how dumb are kids these days?

    Although 70% of undergrads and 96% of graduate students have credit cards, fewer than 10% pay their balance in full every month. Only 15% have any idea how much their interest rate is, and fewer than one in 10 students know their interest rate, late fee and over-limit fee amounts.

    We get it — nobody likes squinting to read acres of fine print, but this is a pretty pathetic showing, especially given that 92% of these students were business majors. There is no way to describe these results as a success in education of financial literacy, researchers wrote.

    Revolving a boatload of debt without having any idea of how much you re paying for that privilege might seem like just another instance of collegiate flakiness, but that s no excuse, says Gail Cunningham, spokeswoman at the National Foundation for Credit Counseling. By virtue of the fact that they re in college, it indicates that they have the ability to learn these basic building blocks of financial success but are choosing not to.

    The study, Financial Literacy and Credit Cards: A Multi Campus Survey , was published in the April issue of the International Journal of Business and Social Science. It included 725 students at five different schools. When researchers broke the group down by demographics, they found that students who had taken either business law or ethics classes were more knowledgeable about credit card costs. (Researchers speculated that the ethics students may have been exposed to more news about the financial crisis that included discussion of credit cards.)

    These results should serve as a wakeup call for both our college students and our college outreach efforts into the community to train people about the costs of credit, the study s authors write. They point out that if college students, who ostensibly have enough schooling under their belt to read a credit card statement, are still clueless about the basics of such a fundamental product, there s probably even less financial literacy among less-educated Americans.

    The effects of this knowledge gap linger long past the college years. A recent survey conducted by the National Foundation for Credit Counseling asked nearly 1,200 people in what aspect of personal finance they could use the most help. A majority — 56% — selected improving my credit score, while only 5% chose understanding my credit report. Most didn t grasp that understanding your credit report and what s in it is the first, biggest and most important step toward improving your credit score.

    Cunningham says college students — especially those business majors — who manage to earn a four-year degree without knowing even the most rudimentary facts about their finances should look in the mirror when they re wondering why their credit is crummy well into adulthood. The financial pain they re causing is evidently self-inflicted, she says.

    Credit Check For Tenant #credit #card #offers

    #tenant credit check

    They may select some foreclosures Credit check for tenant for their cost plan. The customer can even triumph Credit check for tenant over the majority of her or his issues and problems directly on account of these advancements.

    These plans are designed for the salaried collection people who slip in immediate demand of income.

    need a payday loan direct lender

    For a approach plate, there are several choices for the employment of your payouts. Simply speaking it s not improper to gain access to Credit check Credit check for tenant for tenant income from lenders, once you discover how you can take advantage of the money effectively.

    While you notice a very similar issue, you’ve got to be confident to know that this bank loan modifiers could help you.

    need a payday loan direct lender

    It is advisable to coerce the bank on these situations for instant Credit check for tenant authorization.

    As a result, those people who are dealing with arrears, non-payments, property foreclosures, CCJ’s, Individual voluntary arrangement, neglected and have missed expenses, missed bills, chapter 13 and so on.

    Credit Cards – GE Money #consolidation #loans #for #credit #cards

    #bank credit card

    Credit cards

    With a credit card you have

    always money with you

    To enhance our clients security we issue payment cards with a chip and with 3 year-long validity (debit cards).

    Credit Card MoneyCard

    • With MoneyCard you always have your money with you, without repeatedly applying for a loan .
    • No fees for electronic transactions and even no interest while using 50 days of interest-free period .
    • You can set the installment amount yourself and pay the whole lent amount whenever you want.

    Conditions for Obtaining Credit Card

    A Credit Card can be requested by anyone who complies with the following conditions:

    • Citizen of the Czech Republic older than 18 years
    • A permanent source of income (if you are employed, you must not be in a probationary or termination period)
    • Permanent residence and contact address in the Czech Republic
    • Current account in any bank
    • A fixed line to work + other contact phone number

    Documents Required:

    • Personal identification card and another identification document (e.g. driving licence or passport)
    • Documents about you income:

    emloyees: Income confirmation not older than 1 month (you can use GE Money Bank or GE Money Multiservis printed form available on every GE Money Bank branch)

    pensioners: Pension assessment not older than 12 months

    entrepreneurs: – Trade licence or Special trade licence (Koncesn� listina) or another document authorising the client to engage in business + Tax return for last year (not required of start-up entrepreneurs who have not yet filed a tax return)

  • Bank account statement not older than 1 month that is stated in favor of client and that contains one of the addresses stated in the client’s application
  • Card Delivery and PIN

    The holder can choose to pick up his card at a GE Money Bank branch or have it delivered by post.

    The PIN is sent by regular post to the name and address of the card holder. For security reasons, the card and PIN are not sent on the same day. The card and PIN can only be sent within the Czech Republic.

    The average time for the delivery of the card is 5 business days after the signing of the agreement.

    Card Is Easy to Get

    You can request a payment card at any GE Money Bank branch. If you do not have a current account with us, we will gladly open it for you without waiting also at any GE Money Bank branch.

    We will be happy to answer any questions you may have on our Info Line 844 844 844.

    If you already have our payment card, call 224 443 636 (this number is also provided on the reverse of your card).

    Insurance and Additional Services

    Credit Card Offers To Apply Online! #best #deals #on #credit #cards

    #credit card offers

    Credit card offers presents the credit news and articles section compiled by our experts. Get helpful pieces of advice before you apply.

    NEWS about Credit Cards | View all News

    Best Credit Card Rewards 05:15:42 AM Thursday, November 06, 2008

    Banks and card companies cut their lending risk factor by either lowering credit limits, increasing APRs on some credit cards or by not approving applications at all. The slumping economy and credit crisis force lenders to curtail 0% APR offers, benefits and even rewards programs. Some card offers have already imposed restrictions on when and how rewards can be redeemed.

    The good news is that there are still plenty of deals offering lucrative cash back, gas and miles rewards and you only need to apply for the right card now. The difficulty here is the rewards vary from card to card and to make the best deal, you need to compare offers and choose one based on your spending priorities and financial standing. The key is to make the rewards work for you.

    Full story. Comments (1).

    Credit Card Payment 04:56:31 AM Thursday, October 16, 2008

    Most of regular unsecured credit card offers for valuable customers carry in-built benefits which are free from additional charge. The benefits include $0 fraud liability, extended warranty protection, 24-hour roadside assistance, auto rental insurance, free online account access and management services and others. Their cost is already distributed among the annual fees, if any; interest rates and other charges specified in the fine print and you do not mark it out making credit card payments.

    But on receiving a statement, you might be confused to spot there a charge you did not authorize in fact. The charge, labelled as payment protector premium, is designed to cover you in the event you cannot pay bills for some reason.

    Card Charges 06:14:29 AM Thursday, October 02, 2008

    While a whole range of charges associated with credit card use is not a surprise any more, the way they are sometimes applied may confuse a not too knowledgeable consumer. What hurts most is the consequence which might come up to a damaged budget at best and ruined credit at worst. The fine print is a great source of information on all the charges and terms they are applied under, but one needs to be financially educated to understand a point there.

    If you’re looking for a proper card offer right now, or you’re already holding a plastic, the following information will be of prime importance for you, especially as the recent changes in the market require new and more rational behavior.

    Credit Card Questions – Increase Credit Limits – Wells Fargo #credit #report #agencies

    #credit card report

    What should I expect after I apply online?

    • Once you apply online you will receive an application ID and a phone number you may call to check the status of your application if you are not instantly approved.
    • We will mail you a credit decision within 5 to 7 business days.
    • If you are approved, you will receive a mail package with information intended to help you better understand your credit report and a copy of the Wells Fargo Privacy Policy. Your credit card, additional information on the card features, and terms of the account will be arriving in a separate mailing soon afterwards.
    • If you are not approved for a new account, you will receive a written explanation of why we were not able to grant you credit at this time

    How do I pay my bill?

    You can pay your credit card bill:

    • Online. Compare your payment options
    • By mail. (Please include your credit card account number on your check)
      • Regular mail: Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051-5493
      • Express mail: Wells Fargo Payments – Regulus, 1200 West 7th Street, Suite L2-200, Los Angeles, CA 90017
    • By phone. 1-800-TO-WELLS ( 1-800-869-3557 )

    Can I change my payment due date?

    Sign on to the Credit Card Service Center and click the Change your payment due date link under the Manage your money heading. Note that the 29th through the 31st of any month will not be selectable.

    How do I add an authorized user to my card?

    Sign on to the Credit Card Service Center and click the Additional cardholders for your account link under the Request Credit Card features heading. Please note you are responsible for all charges made to the card in addition to any balance transfers and cash advances, including any Overdraft Protection amounts advanced, made by any additional cardholders added to the account.

    How do I view my credit card balance?

    Sign on to Wells Fargo Online ® to see your credit card balance, add card services, transfer funds, and more.

    If you are signed up for online access and don’t see your credit card account online, simply sign on to Wells Fargo Online. go to Account Services. and select Add Accounts. If you do not see your credit card account in the Add Account dropdown list, please call 1-800-956-4442 .

    How do I track my rewards earnings?

    Credit Card Rewards Calculator #my #credit #report

    #credit card rewards

    Try Our Credit Card Rewards Calculator

    Use this calculator to find out how many rewards you will earn when you use your Nationwide Bank ® Visa ® Credit Card.


    Credit card rewards calculation has never been easier than with this credit card points calculator designed by Nationwide Bank. Use this simple online tool to help you estimate the cash back rewards potential when you use the Nationwide Bank Visa credit card.

    Simply estimate your monthly credit card spending, and this helpful credit card points calculator will show you approximately how much money you can earn in cash back rewards annually. Then, we’ll be here to guide you through next steps to help you start earning attractive rewards today.

    Now that you’ve had the chance to calculate your credit card rewards, consider a Nationwide Bank Visa credit card.

    Our Visa credit card offers a 0% introductory APR for 6 billing cycles on purchases and balance transfers when you open an account.  After that, your APR will range from a variable 11.24% to 21.24%, based on our evaluation of your credit.

    Plus, earn 1% cash back on your purchases.

    After you’ve calculated your credit card rewards, you may want to take advantage of our other online banking resources. Use our credit card payoff calculator to determine how long it will take to pay off your credit card and estimate your total cost at the time of repayment.

    In addition, find our entire selection of financial calculators. created to help you make smart choices with your money.

    Calculators are provided to help you determine how a loan, line of credit or a deposit product may affect your budget. The results offered are estimates and do not guarantee available loan terms, cost savings, tax benefits, etc. Nationwide Bank does not offer a guarantee of the calculator results.

    Credit card settlement #online #credit #card

    #credit card settlement

    Information Concerning: In re Currency Conversion Fee Antitrust Litigation (MDL No. 1409) – Current Status

    On October 20, 2014, the Court approved a distribution of checks concerning foreign transaction fee claims made in connection with the settlements in the two related matters In re Currency Conversion Fee Antitrust Litig. and Ross, et al. v. American Express Co. et al. This is the third-and Plaintiffs’ Co-Lead Counsel anticipate final-distribution of settlement funds. (The initial distribution of checks in connection with the Currency Conversion Fee settlement was completed by mid-January 2012, and a second distribution was completed by July 2013.)

    The Settlement Administrator will be issuing distribution checks to Authorized Claimants on or before December 4, 2014. Eligible Authorized Claimants for this distribution are those claimants whose claims were reduced by the largest percentage amount under the reduction methodologies used for the prior two distributions (due to the aggregate value of all claims exceeding the amount of available settlement funds). (Please see the Frequently Asked Questions for information on the distribution checks.)

    You should note that distribution checks will be void after 90 days from the date on the check. If you receive a settlement check, please promptly deposit it before the check’s 90-day expiration date.

    If you experience any problems associated with your settlement check, please promptly contact the Settlement Administrator or Co-Lead Class Counsel. To assist such inquiries, claimants should provide as much of the following information as possible: name, current address (and the address used when the claim was submitted, if different), current contact information (e.g. telephone or email), Claim number or Refund ID number, and the type of claim submitted.

    Please continue to monitor this website for updates concerning the refund process. If you have changed your address, you should send any updated information to the Settlement Administrator

    If you have a question you would like to send to the Settlement Administrator, please use the Contact Us page of this website, or write to the Settlement Administrator at P.O. Box 290, Philadelphia, PA 19105-0290.

    Click here to proceed to the Currency Conversion Fee Antitrust Settlement (“CCF I “) website and information regarding the related matter, Ross, et al. v. American Express Co. et al. No. 04-5723, MDL No. 1409 (S.D.N.Y.) (Pauley, J.)

    Information Concerning: Ross, et al. v. Bank of America, N.A. (USA), et al. No. 05-cv-7116, MDL No. 1409 (S.D.N.Y.) – Proposed Settlement with National Arbitration Forum, Inc. (“NAF”)

    This lawsuit involves claims that the defendants Bank of America, Capital One, Chase, Citibank, Discover, HSBC and the National Arbitration Forum, Inc. (“NAF”) violated federal law by conspiring, with each other and certain non-defendants, to require that the bank defendants’ cardholders (a) take all legal disputes to arbitration rather than court and (b) give up any right to participate in class actions against the above six credit card companies. This case is on behalf of cardholders who are subject to arbitration clauses. Cardholders who are not subject to arbitration clauses, including any Discover cardholders who have opted out of arbitration, are not included in the case.

    Plaintiffs reached settlements with five of the defendants: Bank of America, Capital One, Chase, HSBC and NAF. On July 26, 2010, the Court entered Final Judgment for settlements reached with the four bank defendants. On April 30, 2012, the Court granted final approval of the settlement reached with defendant NAF.

    Beginning in January 2013, the Court held a five-week bench trial of Plaintiffs’ antitrust claims against the non-settling bank defendants: Citibank and Discover. Plaintiffs’ claims were consolidated for trial with similar claims brought by plaintiffs in the related matter, Ross v. American Express Co.. No. 04-5723, MDL No. 1409 (S.D.N.Y.) (Pauley, J.). (You may obtain information about the American Express matter by clicking here or type As a result, there were three defendants at trial: American Express, Citibank and Discover. Following trial, Plaintiffs submitted detailed proposed findings of fact and conclusions of law in support of their antitrust claims. You may view Plaintiffs’ submissions, as well as the trial defendants’ submissions, by clicking the Documents tab. On May 6, 2013, the Court heard closing arguments. The Court has not yet ruled on Plaintiffs’ claims.

    All settling defendants and all non-settling defendants deny that they conspired with each other or that they violated any law, and assert that they have done nothing wrong or improper.

    For information about the litigation and the settlements. please visit the settlement website .

    Click here to proceed to the Arbitration Antitrust Settlement website.

    Credit Card Fraud Protection. #free #credit #rating

    #free credit report no credit card

    Full Faith and Credit Card

    Claim: E-mail from lawyer gives good advice about preventive steps to protect against credit card theft.

    Example: [Collected via e-mail, 2002]


    Place the contents of your wallet on a photocopy machine, do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.

    A corporate attorney sent this out to the employees in his company. I pass it along, for your information.

    We’ve all heard horror stories about fraud that’s committed using your name, address, SSN, credit, etc. Unfortunately I (the author of this piece who happens to be an attorney) have firsthand knowledge, because my wallet was stolen last month and within a week the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.

    But here’s some critical information to limit the damage in case this happens to you or someone you know. As everyone always advises, cancel your credit cards immediately, but the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them easily. File a police report immediately in the jurisdiction where it was stolen, this proves to credit providers you were diligent, and is a first step toward an investigation (if there ever is one).

    But here’s what is perhaps most important: (I never ever thought to do this). Call the three national credit-reporting organizations immediately, place a fraud alert on your name and SSN. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.

    By the time I was advised to do this, almost 2 weeks after the theft, all the damage had been done.

    There are records of all the credit checks initiated by the thieves’ purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them in their tracks.

    The numbers are:

    Equifax: 1-800-525-6285

    Experian (formerly TRW): 1-888-397-3742

    Trans Union: 1-800-680-7289

    Social Security Administration (fraud line): 1-800-269-0271

    We pass along jokes we pass along just about everything. Do think about passing this information along. It could really help someone.

    Credit card compare #credit #annual #report

    #credit card compare

    Compare Credit Card Benefits

    Each credit card provides a different group of features – decide which are right for your coverage and travel needs.

    World Elite ® MasterCard ® Credit Card

    MasterCard ® Credit Card

    MasterCard ® Credit Card

    MasterCard ® Credit Card

    Student CHOICE REWARDS ® MasterCard ® Credit Card

    MasterCard ® Credit Card

    Credit Card Credit Limit Definition #3 #credit #bureaus

    #credit limit

    Credit Limit Definition

    By LaToya Irby. Credit/Debt Management Expert

    Welcome to s Credit/Debt Management site, led by your guide, LaToya Irby. LaToya has been the credit and debt management guide since 2007. Read more

    One of the most important things to know about your credit card is your credit limit. The credit limit on your credit card is the maximum amount that can be borrowed on a credit card without penalty.

    How Much Will Your Credit Limit Be?

    You won t know what your credit limit will be until you ve completed your application and are approved for the credit card. If you re (reasonably) unhappy with the credit limit you ve received, you can request a bigger one or turn down the credit card.

    Your credit limit may not stay the same the entire time you have the credit card. If you use your credit card wisely and make your monthly payments on time, you can be approved for periodic credit limit increases, sometimes without having to request a credit limit increase .

    Similarly, your credit limit can be decreased if your payment habits fall behind or your debt increases to a level that your credit card issuer deems risky.

    How Much of Your Credit Limit Can You Use?

    You can make purchases all the way up to your credit limit, but you may not be able to go over your credit limit if you haven t opted-in to having over limit transactions processed. Exceeding your credit limit may result in an over the limit fee  and your credit card issuer might also raise your interest rate to the default rate if you go over your credit limit.

    Continue Reading Below

    Refer to your credit card agreement to see if there are any penalties for going over your credit limit.

    Exceeding your credit limit and even getting close to it impacts your credit score. Your credit utilization measures the amount of your credit limit that s being used and counts 30% of your credit score. The higher your credit card balance, the higher your credit utilization and the more your credit score is hurt. It s best to keep your credit card balances within 10% to 30% of your credit limit.

    Credit Card for Individuals #credit #alert

    #easy credit card

    Pay by Credit Card for Individuals

    It’s easy and convenient to pay your personal income tax bill by credit card. You can use your Discover, MasterCard, Visa, or American Express Card to:

    • Pay the balance due on your current-year tax return.
    • Make an extension payment (Form FTB 3519).
    • Make an estimated tax payment (Form 540-ES).
    • Pay any amount owed for prior years.
    • Pay any bill you receive from us that includes an insert about credit card payments.

    Caution: You cannot use a credit card to pay an amended tax return or a liability that is still pending based on a Notice of Proposed Assessment or Notice of Action.

    Have your complete payment information on hand when you are ready to make your payment. You can pay online or by phone:

    Frequently Asked Questions

    Yes. Official Payments Corporation charges a convenience fee for this service. The fee is based on the amount of your tax payment as follows:

    • 2.3% of the tax amount charged (rounded to the nearest cent)
    • Minimum fee: $1
    • Example of fee:

    Tax Payment = $753.56

    Convenience Fee = $17.33

    Official Payments Corporation will tell you your fee before you complete your credit card transaction. You can decide whether or not to complete the transaction at that time.

    What payment information will I need?

    You will need:

    • The type of payment you’re making (e.g. tax return, extension, estimated tax, or bill).
    • Your social security number (and your spouse/RDP’s number if you’re making a joint payment).
    • Your credit card number and expiration date.
  • When will my payment be effective?

    Your payment is effective on the date you charge it.

  • What if I change my mind after I made the charge?

    If you pay your taxes by credit card and later reverse the credit card transaction, you may be subject to penalties, interest, and other fees imposed by the Franchise Tax Board for nonpayment or late payment of taxes. If you overpay, we will issue you a refund.

  • MintLife Blog #credit #bureau #report

    #three credit score

    How to Navigate the Three Credit Score System

    Each of us has three credit reports housed by the three major credit reporting agencies; Experian, Equifax and TransUnion.  And for most of us those three credit files are scoreable, as I explained last week on Mint .

    And while it’s a fact that none of us has just three credit scores, it is a fact that most lenders will make decisions using just one of our credit bureau risk scores.  That means when you apply for a credit card or an auto loan the lender is going to buy one of your three credit reports and one of your three FICO scores or, less frequently, one of your three VantageScores.  The only exception to that “one report, one loan” rule is the mortgage environment where the lender will almost always pull all three of your credit reports, all three of your FICO scores, and then base their decision on your middle score.

    How widely your scores can range

    Each of your credit scores is going to be different, primarily because the information in our credit files is never 100 percent identical.  And because of the common lending practice of only pulling one credit score, it’s almost a guarantee that lenders are going to see different numbers for us depending one which of our three credit reports they happen to purchase.

    For example, my FICO scores vary by 24 points from my highest score to my lowest.  My highest score is based on my Equifax data and my lowest is based on my TransUnion data.  This means if I applied for any loan outside of a mortgage and the lender pulled my TransUnion credit report they’d see my lowest FICO score.  If that “lowest” score fell below the lender’s risk threshold, I could be denied the loan or approved but with less advantageous terms.

    My example isn’t a good one because my scores are all pretty good so I’d likely still get approved even if the lender saw my lowest score.  But getting the lender’s best deal isn’t a slam dunk for consumers who either a) have a larger variance between their scores or b) have three marginal scores the begin with.  In fact I fielded a question two weeks ago from a guy whose highest FICO score was 748, which is very strong.  The problem is that his lowest FICO score was 658, a full 90 points off his high score.  658, as you probably already know, is not very good and is right on the borderline of being considered “subprime.”

    The gentleman had a collection on one of his credit reports that wasn’t being reported to his other two credit reports.  This isn’t a terribly uncommon scenario as reporting to all three credit bureaus isn’t mandatory under any Federal or state laws.  What this does, however, is place any consumer in a position where they’re rolling the dice each time they apply for a loan because they don’t know a) what their three scores are b) what credit report is going to be scored the highest and c) what credit report and score their lenders are going to see.

    The two examples I highlighted above (mine and the guy with the collection) are both what I would define as being bookend examples.  It’s been my experience that most consumers fall in between those bookends.  So the question is how can we ensure that we’re putting our best foot forward when we apply for loans?  Here are some things to keep in mind before you apply for a loan;

    1. You can’t force your lender to pull one credit report over another

    Lenders have what are referred to as “credit bureau preference tables” and they use those tables to decide which of your three credit reports they’re going to pull based on where you live.  Now, you CAN shop around and ask lenders what credit report they pull for consumers living in your local.  If you can find one who uses the same credit bureau where you’ve got your highest score, BINGO!  I call that “strategic shopping” and it takes shopping around for the best interest rate to a different level.

    2. You can’t bring you credit report and score with you to the lender

    Lenders will want to pull the report and score on their own so that it can be fed into their automated underwriting system.  There was also a pretty funny story about a guy in Butte, Montana a few years ago who used Photoshop to change information on his credit report.  He walked out with an auto loan but was arrested shortly after for loan fraud.

    3.  Auto dealers will likely pull your credit report and then shop your loan around to other lenders

    Those other lenders will also want to pull your credit report. This practice is very common and it can lead to lenders seeing different scores depending on where they’ve decided to buy your credit report and score.  If you know of a local lender in your area who uses the credit report where you’ve got your best score it’s not a bad idea to apply for the loan with them and “take the financing” with you to the dealership.  That’s your ace in the hole.  If they can beat that rate with another deal then take the better deal. Again, this is strategic shopping.

    4.  Shelve your credit cards for one full cycle

    The way the credit reporting system is set up the balances on your credit cards are updated only once a month and it’s based on your previous month’s statement.  If you pay your cards in full each month your credit reports are still not reflecting the $0 balance because it’s likely that you used them again during the following month.  Pay them off in full if possible and leave your cards in your wallet until you’ve closed on your new loan.  This ensures the lowest possible “utilization percentage.”  This strategy will work with all three credit reports and scores, not just one of them.

    NOTE: We all have a fourth credit report housed by Innovis Data Solutions but that particular credit report is not scoreable under the FICO or Vantage scoring systems.  Further, Innovis doesn’t currently sell credit reports to lenders for use in underwriting.

    John Ulzheimer is the President of Consumer Education at , the credit blogger for , and a contributor for the National Foundation for Credit Counseling .  He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of or Intuit. Follow John on Twitter .

    Consumer Reports Picks Top 3 Credit Cards for Your Needs #credit #card #offer

    #top credit cards

    Consumer Reports Picks Top 3 Credit Cards for Your Needs

    Wise Bread Picks

    Figuring out which credit card works best for your lifestyle and spending habits can feel like a financial Where’s Waldo, leaving you scanning over a sea of card offers, hoping that the one you’re looking for will pop up in your vision.

    Consumer Reports the non-profit organization that rates everything from airlines to air conditioners recently put their Money Lab to task on the credit card problem, evaluating 53 cards to come up with the top options in three categories: cash back rewards, travel rewards, and balance transfer / low-rate cards. We ve featured the highlights of their findings below, along with some commentary and additional information.

    Please note that the rates and rewards for these cards are based on creditworthy users. If your credit is poor or you can’t pay off your card entirely every month, there is nothing wrong with not using credit cards. It’s always much better to avoid debt than to start carrying a balance, trying to chase rewards. (Although if you do have an existing balance, it might be worth it to check out the balance transfer / low rate category below.)

    Best Cash Rewards Cards

    These picks from Consumer Reports are based on a family spending $400 a month on gas, $600 on groceries, and $1,000 elsewhere.

    Credit Bureau Definition #credit #rating #free

    #credit bureau

    Credit Bureau

    A Credit Bureau, also known as a Credit Reporting Agency or Consumer Reporting Agency, functions as a central repository of credit and collection records, payment history and certain legal information on consumers and businesses. These records are sold to credit grantors and lenders whenever a consumer or business applies for credit. The three major U.S. credit bureaus are Equifax. Experian and TransUnion. A fourth credit bureau. Dun and Bradstreet Corp. specializes in reporting business credit information exclusively.

    Local credit bureaus first appeared in the United States around 1860 and were primarily designed to provide local merchants with a way to keep tabs on local citizens who traded in the merchant’s immediate community. Credit bureaus began to spread across the country after the end of World War I when returning soldiers began looking for money to buy homes, automobiles and consumer goods.

    As credit purchases began to replace cash as the primary currency for the purchase of big-ticket items, and the nation became more mobile, the need for national credit bureaus became apparent.

    Today’s credit bureaus store over 1 billion consumer and business records, and almost 2 billion individual credit transactions are entered into those records every month. With all of this activity there is always a chance that a credit record may contain errors. That’s why the U.S. Government passed the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act of 2003 (FACTA). Both of these acts set out requirements for credit bureaus to maintain fair and accurate records, provide a way for consumers to view those records, and respond to consumer complaints of inaccuracies should they exist.

    The introduction of the Internet, and the World Wide Web in particular, gave lenders a new and profitable way to make credit-based lending decisions on-line and “instantly”. This made it possible for charge card issuers and lenders to offer credit to consumers who were willing to fill out credit applications online. Key information from the application, including the applicant’s full name, address, Social Security Number and date of birth is transmitted over the Internet to the lender’s particular credit bureau. The credit bureau’s computers look up the consumer’s record and calculate a credit score based upon certain financial criteria. If the score is above the lender’s minimum threshold, the application is instantly approved and both the lender and the borrower are notified.

    Under Federal law, all U.S. residents are entitled to one free copy of their credit report annually, from each of the three major credit bureaus, without any cost or obligation. Visit for details.

    Credit 2016 #online #credit #card

    # Review


    Experian owns, along with and With, you can get a full credit report and score from data drawn from Experian, TransUnion and Equifax, the three major credit reporting agencies, when you first sign up for a seven-day trial period. After that, you can access your Experian report daily and get a three-bureau report every 30 days.

    Unfortunately, the alerts you receive regarding your credit involve only data reported to Experian and not to the other two credit reporting agencies.

    The credit score model that uses to calculate your creditworthiness is the Experian PLUS score. While this is not an unknown scoring model, lenders do not use it as frequently as other models. For this reason, your lender might calculate a different credit score for you than the one you receive in this report.

    The monthly credit reports you receive through this credit monitoring service list your personal information, such as your address and Social Security number. They also have data about all your open accounts, new accounts, credit inquiries, collection information, closed accounts and more. In addition to the basic items you would expect to find on a credit report, it also provides content that can help you understand how your financial decisions affect your credit profile.

    Monitoring your credit is easy with this credit report service. It watches for changes to your personal information, such as your address and public records. It also takes notice of credit inquiries and new accounts opening in your name. sends alerts via email if anything changes on your report, depending on the settings you establish on your account. posts helpful articles that teach you how to dispute claims, implement a fraud alert, freeze your credit and protect yourself from identity theft. It is useful to know how to conduct a thorough credit check because errors on the data reported to the credit bureaus can damage your credit rating. Ideally, you would want to do something more than simply get an annual credit report since ratings can change rapidly with so many online financial transactions underway and so much hacking.

    You can get up to $50,000 of identity theft insurance coverage. If you have questions about the service or fees, the company posts basic information on its FAQs page, a blog and other educational materials on the company website. You also can get help via phone or email.

    Credit Annual Report #how #can #i #apply #for #a #credit #card

    #free annual credit

    Free credit report credit card Utah

    When negative information in free credit report credit card Utah your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative free credit report credit card Utah information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

    To calculate the seven-year reporting period, start from the date the event took place. There is no time limit on reporting information free credit report credit card Utah about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because youve applied for more than $150,000 worth of credit or life insurance. Credit repair organizations must give you a copy of the Consumer Credit free credit report credit card Utah File Rights Under State and Federal Law before you sign a contract. They also must give you a written contract that spells out your rights and obligations. And free credit report credit card Utah before signing, know that a credit repair company cannot: Before you sign a contract, be sure it specifies: Many states have laws regulating free credit report credit card Utah credit repair companies. free credit reports without credit card State law enforcement officials may be helpful if youve lost money to credit repair scams. Dont be embarrassed to report a problem with a credit repair company.

    While you may fear that contacting the government could free credit report credit card Utah make your problems worse, remember that laws are in place to free credit report credit card Utah protect you.

    Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines; check the Blue Pages of your telephone directory for the phone number or for a list of state attorneys general. Just because you have a poor credit report doesnt mean you cant get credit.

    Creditors set their own standards, and not all look at free credit report credit card Utah your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history free credit report credit card Utah has improved. free 3 in 1 credit report and score It may be worthwhile to contact creditors informally to discuss their credit standards. If free credit report credit card Utah youre not disciplined enough to create a workable budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your free credit report credit card Utah mounting bills, you might consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your free credit report credit card Utah financial problems. But remember that nonprofit status doesnt guarantee free, affordable, or even legitimate services. In fact, some credit counseling organizations even some that claim non-profit status may free credit report credit card Utah charge high fees or hide their fees by pressuring consumers to make voluntary contributions that only cause more debt.

    Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and free credit report credit card Utah referrals. credit score online If you are considering filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you free credit report credit card Utah file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at, the website of the U.S.

    Consumer Credit #bad #credit #credit #cards

    #consumer credit

    Federal Reserve Consumer Help

    Consumer Credit

    If you plan to file for bankruptcy protection, you must receive credit counseling from a government-approved organization within 180 days before filing. You must also complete a debtor education course to have your debts discharged. Find out more about these requirements under The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

    Espa ol Presentar su declaraci n de bancarrota personal: Lo que necesita saber

    Suggests dos and don’ts to manage your credit card account.

    Learn what your options are when you get a credit card bill but no merchandise.

    Espa ol Le han cobrado por mercader a que nunca recibi ? Esto es lo que debe hacer. (FTC)

    A tool that provides you access to the complete text of agreements between credit card issuers and educational institutions that provide for the issuance of credit cards to students.

    Learn more about how the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) serves as a bill of rights for credit cardholders.

    View a prototype that will help you better understand your credit card agreement.

  • Using a Credit Card Regardless of whether you are using your credit card to buy a laptop or laundry soap, you have rights and responsibilities under the law.

    Espa ol Tarjetas de cr dito: Sus derechos y obligaciones

    Merchants use card “blocking” to make sure that your charges do not exceed your credit limit (credit card) or overdraw your bank account (debit card), leaving them unpaid. This site has information on when and why blocking happens and how to avoid it.

    Espa ol Cuando una compa a le bloquea su tarjeta de cr dito o d bito

    Know your rights under the Fair Debt collection Practices Act when debt collectors contact you.

    Espa ol Cobranza de deudas (FTC)

    Understand whether you are responsible to pay the debt of a deceased family member.

    Espa ol Deudas de familiares fallecidos (FTC)

    If you have unpaid debt, learn which federal benefits may be exempt from garnishment by a debt collector.

    Espa ol Embargo de beneficios federales: Sus derechos (FTC)

    Guidance for consumers on leasing a vehicle, including information on consumer rights, a sample leasing form explaining costs, and definitions of terms used in vehicle leasing.

    Get the facts about dealership financing – what it is, how you apply, special financing offers, cash back and rebates you may be eligible for, and more.

    Espa ol Comprenda c mo funciona la financiaci n de veh culos

    Carefully consider your rights and obligations before co-signing a loan.

    Espa ol Informaci n para los cosignatarios de pr stamos (FTC)

    Understand how each card works and the potential benefits and concerns of each.

    Espa ol Tarjetas de cr dito, d bito, y cargo

  • Cloud pbx system #cloud #pbx #system


    More Control. More Flexibility. Lower Cost. Less Risk.

    Remotely Control Your PBX from Anywhere in the World

    Want to take a vacation? With FatBudgie s PBX system, you can access your controls and reports from anywhere with an Internet connection. You won t need to wait days for an expensive PBX mechanic to change your settings. Instead, you can reconfigure your entire PBX, and get the business intel you need with a mouse click. Because the service lives in the cloud, you can easily relocate your business to a new address.

    Giving Your Business Freedom to Move and Expand

    Like other cloud services, hosted PBX requires no major hardware at your office site. All you need is an office network and an IP handset, no PBX required – which is the expensive part. We run the service 100 percent from our end. You can connect as many devices as you require to your virtual PBX — our service automatically adapts to your changing needs.

    Only Pay For What You Use!

    Cloud PBX doesn t lock you into long-term contracts, and we make it easy to downsize, freeze or even cancel with a 30-day notice. Need more extensions? You can upgrade your account within 24 hours. What’s more, we bill per second when you make a call. You’ll never pay for services that you don’t use, and you won’t have to worry about early termination fees. Your bottom line is what matters, and FatBudgie is guaranteed to trim your telecom budget.

    About a year ago I was fooled into buying a VoIP PABX by a commission hungry salesman (who came highly recommended). Once they took my money needless to say I had endless problems with the technology and found myself dealing with a bunch of idiots and Telkom, not to mention having to pay for an expensive PABX (I still have 3 years to pay). Luckily I met John Woolam who explained the benefits of being on the Fat Budgie Cloud PBX – he promised to save me money and offer proper service. In no time at all he had us up and running, saving us thousands on our monthly bill. We love our Budgie phones, and besides the cost savings we have experienced minimal downtime, easy port upgrading and add on’s, and the peace of mind of knowing there is a human touch only a call away if things go wrong and all this without a monthly contract! I can honestly recommend them for your telecommunications… Fat Budgie is the perfect solution for my growing business.

    Until installing our Fat Budgie system, we were subjected to the usual sub-standard performance of Telkom. Believing that Telkom was a monopoly in this space, we endured frequent downtime, frustration, poor response, a useless call centre and non-existent assistance. We now enjoy the service of a private and competitive entity, offering reliable an d efficient service and support behind a product that performs the same functions and more, better, and at a fraction of the price. In hindsight (and for the benefit of any prospective client) the decision is a no brainer. Thank you Fat Budgie! PS – Any thoughts of a move to supply electricity and water?!

    Troubleshoot your central air conditioning condenser problem step by step #central #air #conditioning #condenser #problem,air #conditioning #on #guam,refrigeration #on #guam,hvac


    Central Air Conditioning Condenser Problem

    If your central air conditioning condenser problem is that the compressor and condenser fan won’t run, first check the thermostat and be sure it’s turned on to cool, and that the temperature setting is below the room temperature indicated on the thermostat.

    If the thermostat is correctly set to cool, and the unit won’t run; the first things I’d do to start troubleshooting this central air conditioning condenser problem would be to verify that the refrigerant pressure in the system is equivalent to ambient temperature, check the high and low pressure cut-outs, then verify that I have the correct line voltage at the condensing unit, and correct control voltage to the thermostat.

    Check the breaker, fuses, and disconnect.

    If the breaker is tripped or a fuse is blown, your central air conditioning condenser problem may be a failed motor or compressor, or a shorted or grounded wire in the unit.

    Turn off the power to the unit, and check the fan motor and compressor terminals for a grounded, shorted, or open winding, and check the wiring in the unit for burned, shorted, or grounded wires or connectors.

    If the breaker, fuses, and disconnect are ok, open the condensing unit and verify that the main supply voltage to the unit is correct.

    If it isn’t, find out why and correct it.

    If the main supply voltage is correct, verify that the control voltage to the thermostat is correct.

    If it isn’t, find out why and correct it.

    Your central air conditioner condenser problem may be a failed transformer, or a blown control voltage fuse.

    If the control voltage to the thermostat is correct, verify that it is reaching the thermostat.

    Your central air conditioning condenser problem may be a failed thermostat, or a wire in the thermostat circuit may be broken.

    If control voltage is reaching the thermostat, verify that the thermostat contacts are closing when it’s turned on to cool.

    If they’re not, you’ve found your central air conditioning condenser problem.

    If you verify that the thermostat is working correctly, turn it on to cool, and check the voltage reading at the compressor contactor.

    If you have control voltage at the compressor contactor coil, but the contactor does not energize, your central air conditioning condenser problem is a failed contactor.

    If you don’t have control voltage at the contactor coil, take a voltage reading across the safeties.

    When you find a voltage reading across a safety, you’ve found the open one.

    If the voltage monitor/phase protection safety is open, there may have been an intermittent problem, or the safety may have failed.

    If the present voltages are within the range of the safety’s settings and the safety is still open, it has failed.

    Verify whether or not it is a manual reset type safety.

    If the hi pressure safety is open, check the condenser fan and blade, check the coil to see if it’s dirty or air flow is impeded some other way, and verify that the standing pressure is correct for the refrigerant in the system.

    Measure the temperature of the condenser coil.

    The standing pressure on the high side should be equivalent to the temperature of the condensing coil.

    If it isn’t, your central air conditioning condenser problem may be that the system is contaminated with air and non condensibles, and possibly even mixed refrigerants.

    If it’s contaminated, you’ll have to correct it.

    If you’re following up on someone else’s work, you never know what you’ll find.

    If the low pressure safety is open, check the low side pressure.

    If it is above 55 psi, an automatic reset safety should have already reset and closed.

    The safety may have failed, and this might have been your central air conditioning condenser problem.

    If the oil pressure safety switch is open, check the oil level in the compressor.

    If it’s low, top it off to normal, and remember to keep an eye on the oil level when the unit runs again.

    If the oil stayed in the system for some reason, (maybe the unit was running unloaded for a long time), when it starts running at full load, the oil will come back to the compressor, and you’ll have to remove it to maintain the correct oil level in the compressor.

    Another safety to check is the compressor protection module.

    It’s usually found next to the compressor terminals

    There are several different types, and they’re designed to open the control circuit to protect the compressor from electrical failure.

    If this safety is open, find out why and correct it.

    If the contactor pulls it but the compressor doesn’t run, verify that you have the correct voltage at the compressor terminals.

    If you have the correct voltage at the compressor terminals, the external overload hasn’t failed, and the compressor won’t run, it has failed.

    If you don’t have the correct voltage at the compressor terminals, find out why and correct it.

    If your central air conditioning condenser problem is that the condenser fan motor won’t run, first, push on the blade, and see if the motor will even turn.

    If it won’t, it’s seized, and must be replaced.

    If it isn’t seized, check the control voltage on the relay that controls it.

    If there is control voltage but the relay doesn’t energize and close, it’s failed.

    If there’s no control voltage, check the control circuit.

    There may be a failed low ambient control that is keeping the fan de-energized.

    If the relay energizes, check the load side voltages and verify they are correct.

    Verify correct voltage is reaching the motor terminals.

    If the correct voltage is reaching the fan motor terminals and it won’t run, turn off power and take a resistance reading on the windings.

    The fan motor may have failed.

    If there’s a run capacitor, replace it and see if the motor will run.

    If it does, take an amp draw on both leads on the capacitor.
    You should have an amp draw on both terminals of the run capacitor.
    If not, the run capacitor is bad, or the start winding has failed.

    By the time you’ve checked all these components, if your central air conditioning condenser problem was electrical, you should have found it.

    Before you run the unit, check the evaporator coil, filter, blower, and ducting; just to verify that the system will run good when you power it up.

    Does your problem have something to do with the pressures, temperatures, and cooling capacity when the unit is running?

    Our System Evaluation Manual has a cycle diagram, and explains the pressures and temperatures to look for.

    You might also want to take a look at our 7 page Air Conditioning and Electrical Troubleshooting Chart, which is reprinted from a U S military training manual.

    I hope this page has helped you get your unit running; and please, feel free to contact us with any specific HVAC questions you might have, including questions about air conditioning on Guam, and refrigeration on Guam.

    Are you learning the HVAC Trade “on the job”?
    If you would be interested in developing your potential to become the finest HVAC Technician you possibly can by studying a complete, accredited HVAC Technician course at home; we highly recommend that you contact Penn Foster Career School and request their free, no-obligation information brochure.
    Requesting the information is easy and only takes 2 minutes; and it might be the first step towards changing your whole future.
    You’ll find a brief review of the course on our HVAC Training page.

    Return from Central Air Conditioning Condenser Problem to the Air Conditioning and Refrigeration Guide home page.

    Car Insurance Quotes, Home, Bike & Van Insurance from Wilsons Insurance Brokers #insurnce #quote


    Welcome to Wilsons – Car Insurance, Van Insurance, Home Insurance More

    We offer a range of online insurance quotations from car insurance to bike insurance to home insurance. Please browse the menu’s above or below to find out more about your product of interest. Since 1969 we have been providing competitive insurance quotes and have constantly evolved to stay at the forefront of the Insurance industry. We are Authorised and Regulated by the Financial Conduct Authority. We feel, with our investment in technology and workforce, that we are well placed to continue to serve our customers for the next 36 years and beyond.

    More about our services:
    Motor Insurance – We compare over 30 insurance companies rates to find you the cheapest quote
    Home Insurance – We offer quotes for buildings insurance, contents insurance or combined policies
    Van Insurance – Online van insurance quotes at any time of day
    Bike Insurance – One form needed to get quotes from our panel of motorbike insurers
    Travel Insurance – Offering quotes for single trip, annual and long stay travel insurance

    Wilsons Insurance Brokers

    Wilsons Insurance brokers EST 1969. Authorised Regulated by the Financial Conduct Authority, Firm Number 306251

    Lemon Garlic Parmesan Linguine – Savory Simple #savory #dish


    Lemon Garlic Parmesan Linguine

    January 11, 2015

    It doesn t get any easier than this pasta. Right now that s what I m craving simple comfort food that s ready in minutes. What can I say, the holidays wore me out. I don t really buy into the January health craze. This is what I need right now.

    Lemon, garlic and parmesan are like the holy trinity of comfort food. These three ingredients create a perfect harmony of flavors. You really want to use higher quality ingredients since the recipe is so basic. Freshly grated parmigiano reggiano is worlds better than pre-grated parmesan cheese sold in the green tube. You ll never achieve the taste of freshly minced garlic if you try substituting garlic powder. And you always want to use fresh squeezed lemon juice. Always.

    This dinner can be on the table in less than 20 minutes. What more can you ask for? Try serving it with a light white wine (I personally love sauvignon blanc).

    Lemon Garlic Parmesan Linguine

    • 16 ounces linguine
    • cup reserved pasta water (see instructions)
    • 2 teaspoons extra virgin olive oil
    • 1-2 cloves garlic, minced
    • 2 tablespoons fresh squeezed lemon juice (approximately 1 lemon)
    • cup fresh grated parmesan cheese (plus more for garnish)
    • fresh ground black pepper
    • optional: chopped fresh parsley for garnish
    1. Prepare the linguine according to package instructions, using well salted water. Before draining, reserve ½ cup of the pasta water and set aside.
    2. While the pasta is cooking, heat the olive oil over medium low heat in a small pan. Add the minced garlic and cook for 1-2 minutes until fragrant. Remove from the heat.
    3. In a large bowl, toss together the pasta, olive oil and garlic, lemon juice, parmesan cheese and cup of the pasta water. Add the remaining pasta water if needed until the pasta is easy to stir.
    4. Divide into portions and top each serving with fresh ground pepper, extra parmesan cheese and, if using, chopped parsley.

    This is a simple dish that begs for high quality ingredients. For best results, use freshly grated parmigiano reggiano cheese, fresh squeezed lemon juice and a good quality olive oil. You’ll be able to taste the difference! I love serving this dish with white wine (my preference is sauvignon blanc).


    You might also like.

    Introduction to Mystery Meat Navigation #seductive #interaction #design


    Mystery Meat Navigation: An Introduction

    Note: Some people have asked, Where are the sites? Well, the menu above should aim you in the right direction. I’ve included part of Wikipedia’s definition of the term, some short videos of sites who used to use MMN followed by the same links as above in a section called More Examples of Mystery Meat Navigation.

    The following video is the best example of Mystery Meat Navigation.

    Definition and Discussion

    Mystery meat navigation (also known as MMN ) is a disparaging term coined in 1998 by author and web designer Vincent Flanders to describe a visually attractive but concurrently inefficient, confusing, or abstruse user interface. usually one that is Internet-based. Such interfaces lack a user-centered design. emphasizing aesthetic appearance. white space. and the concealment of relevant information over basic practicality and functionality .

    The epithet “mystery meat ” refers to the meat products often served in American public school cafeterias whose forms have been so thoroughly reprocessed that their exact types can no longer be identified by their appearances: like them, the methods of MMN are clear to the producer but baffling to the consumer.

    MMN is very seductive it looks cool and it’s used on sites that win design awards. Because there’s no long strings of text, MMN makes the page look cleaner because there’s more white space.

    More Video Examples:

    Dental Insurance – Choose Dental Plans, Best Affordable Individual, Aarp, Seniors #compare #insurances


    Dental Insurance and Personal Dental Care
    Discover Better Dental Health for You

    Dental insurance plans play a big role in helping people cope with dental health care without the exceedingly high costs.

    There are quite a lot of dental plans around, and they come in various types to meet your various needs and expectations for an affordable dental insurance -having it be individual, group or maybe aarp dental insurance for seniors.

    For your dental health, you need to take care of two things.

    1. Your daily dental teeth care

    2. A well planned dental insurance plan

    Welcome to Dental Insurance Care – a place where those two aspects are combined.

    We are not one of the company driven sites but rather a place for personal, practical oral dentistry care information provided to you by dentists and dentistry students. In combination with information about different costs, benefits, discounts, choices and services to compare dental insurance plans around.

    For you, to make the best individual choice in your daily private dental work and your insurance quotes.

    Choosing Insurance Plans – Dental Plans

    Your Dental Insurance Plan

    We will provide you with that information, what are the most affordable dental insurance plans around, making terms such as insurance quotes, direct reimbursement, family discount options, financial availability and premium capitation a breeze.

    Reviewing the top brands such as Aetna, Delta, Metlife and Aarp policy costs for a better, cheaper individual dental health choice for you.

    Whether your choice is an affordable individual dental insurance plan or group dental plans, or orthodontic insurance we give you tips on the best dental insurance companies for you.

    Taking Care Of Your Teeth

    The benefits of personal dental health care is well known. As dental personal we are giving you the scoops within both daily hygiene for your own personal basic oral health- and what to ask your dentist for annual checkups or general tooth problems. This includes.

    • Pitfalls in basic personal dental treatment ; how to avoid tooth decay/cavity and what priorities to make.
    • Cosmetric dentistry choices, teeth whitening – including tips on dental implants costs, veneers prices and more.
    • Procedures you can do yourself to lower dentistry costs.

    Enjoy DentalInsuranceCare and do contact us if you have any questions, concerns or additions.

    Dental Insurance and Dental Care – Main Categories

    Dental Insurance Choices and Financing – In choosing dental insurance plans, there are a lot of factors that you should consider. First, there are budget concerns, since dental plans require financial investments.

    Best Plan for Dental Care – Costs of dental work are continuously increasing, therefore it becomes even more important to find the best dental insurance plans that provides the high-quality dental care you need.

    Cosmetic Dentistry and Insurance – Cosmetic dentistry is the type of dentistry that focuses on the aesthetics factors regarding a person s teeth. The main procedures such as porcelain and composite teeth bonding explained.

    Dental Care with the Hygienist – A dental hygienist helps the dentist keeping your teeth clean and healthy in order to prevent permanent tooth decay and other dental problems. Tips and how to become one.

    How to Deal with Pain in Your Tooth – Tooth pain comes in various forms. Some are so serious that the affected person have trouble with the managing the daily routines.

    Dentist Finder – When choosing a dentist there are a few things of importance. How to find dentists of quality through these steps of consideration.

    Low Cost Options – If you cannot afford regular dental insurance plans, you have some cheaper dental coverage plans that can help you. You should consider the level of dental care your teeth require. If you need dentures, sealants, or just cavity fillings, take these into consideration when choosing your dental plan.

    Dental Insurance for Individuals – You have some great deals to choose from if you are considering an invdidual dental insurance – dental insurance for individuals. Make sure that you know your need before taking the pick.

    Delta Dental – Delta Dental Plans are known for its wide range of providers and it one of the prime dental care providers in the USA today. If you want a good and safe options for your teeth, then Delta Dental Insurance may be the way to go.

    No-Charge Dental Implants – What are the dental implants cost of average dental implants. If it possible to find cheap, affordable implants or maybe even free dental implants? Let us explore the different options.

    Affordable and Budget Dental Options – What are the most affordable dental insurance plans. Do you find the best, affordable dental insurance companies in the group of Metlife Dental Plans, Aetna dental insurance, Humana or maybe Aflac insurance. We try and explore the differences between the dental plans you have the choice between.

    Metlife Plans – The Metlife Dental Insurance Plans have a great reputation among their customers. What are the benefits of the Metlife dental plans.

    Dental Insurance Choices – What are the best dental insurance companies, and how do their profiles differ? For example, what is user satisfaction between Guardian dental insurance and Metlife. There are few raw numbers on this, but we try and give you an idea on what they focus on.

    Other articles worth reading.

    Full Coverage Plans – Top Full Dental Plans in case you are looking for a full coverage dental insurance plan deal

    Senior Insurance Plans – What plans you should consider in search for your senior dental insurance plan dental insurance for seniors option.

    Orthodontic Insurance Plans – What are the best orthodontic insurance plans around and in what cases is it a good option to consider.

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    Sports Management magazine #sport, #sports #industry, #news, #features, #football,architecture,stadium,design,funding,facilities,sport #england,participation,development,uk #sport,premier #league,rugby,olympics,tracey #crouch,grassroots,rio #2016,cricket,


    Sports Management

    MCC members to review potential Lord’s redevelopment Matthew Campelli | 09 Jun 2017

    Members of the Marylebone Cricket Club (MCC) – the owner of Lord’s Cricket Ground – will be asked if they would be content for a. more

    Oval lays out plan to become largest cricket ground in the UK Matthew Campelli | 09 Jun 2017

    London’s Oval is set to become the largest cricket ground. more

    Royal Antwerp to rebuild stand following promotion Matthew Campelli | 08 Jun 2017

    Olympic Gold medalist Kenny to headline at Flame 2017 Deven Pamben | 08 Jun 2017

    HOK recruit rugby stars to visualise stadiums of tomorrow Kim Megson | 08 Jun 2017

    Former Harlequins chief takes on Stadium for Cornwall project Matthew Campelli | 06 Jun 2017

    Sports Management Features

    Artificial turf: Sports Management discovers Iceland’s remarkable rise to the top of European football is no fluke

    Governance: Last year, a new Code for Sports Governance was published jointly by Sport England and UK Sport

    Growing the grassroots: Making squash more popular

    Funding: Inside Sport England’s new funding model, and what it means for governing bodies

    Development: Three footballers have teamed up to form a development company that plans to galvanise communities

    Typography and graphic design #typography #and #graphic #design


    Sorbet (awesome name) is a New Zealand based multidiscipline design studio made up of Nicole Miller-Wong and Sheahan Huri .

    I personally love the work they did for Adé, an online collective of handpicked objects for modern living. I really love the color tones, and the quality of paper stock used.

    Client: Kaffeepur GmbH
    Designer: Stefan Gandl, Neubau
    Typeface: NB International™ Pro Bold
    Year: 2014

    2017 Antonio Carusone. All rights reserved. Certain images, logos and products are trademarks of and/or copyrighted by their respective owners.

    Auto Insurance, Home, Life, Commercial Insurance Quotes: Baltimore, MD #car #insurance #in #baltimore


    Focusing On Your Commercial, Life, Auto, and Home Needs

    Want to Get the Most Insurance Coverage for Your Money?

    Let Concrete Insurance find the plan that’s right for you

    We’re Different from Other Local Insurance Companies in Baltimore, MD

    Don’t throw the future of your home, business or automobile into turmoil by paying for inferior insurance coverage. Get the most protection for your money by counting on Concrete Insurance to find the best policy for you.

    Shield yourself from unforeseen circumstances without breaking the bank by choosing the insurance agents at Concrete Insurance in Baltimore, MD.

    Choose from an impressive array of insurance carriers in Baltimore, MD

    Concrete Insurance understands you don’t want to be limited to one insurance provider – you want choices. That’s why we work with top-rated insurance carriers like Nationwide, Allied, Safeco, Liberty Mutual and Progressive.

    Having a quality insurance plan for your home. auto. life. and business is the smartest way to protect yourself from costly mishaps and lawsuits. The agents at Concrete Insurance will inform you about the insurance you’re mandated to carry and show you additional options for protecting yourself further.

    Call Concrete Insurance in Baltimore, MD, when you need:

    As a full-service insurance agency in Baltimore, MD, we’re able to shop multiple carriers and create a policy plan that gives you the most coverage for your budget.

    If you haven’t called Concrete Insurance to find out whether you have the policy that best covers what you need, you’re putting your business, home and vehicle at risk. Stop endangering your future and let Concrete Insurance create the perfect coverage plan for you.

    Find a solid solution for the protection you need

    Give yourself peace of mind knowing you’re fully insured and protected from life’s unforeseen circumstances. When you have an inferior plan, you could be risking more than you know. Don’t go into debt because of a lawsuit, medical event or other misfortune.

    Concrete Insurance in Baltimore works hard to give you the policy that covers only what you need so you don’t have to pay for options you don’t want.
    Work with the professionals at Concrete Insurance today, and be confident that you’ll be protected tomorrow.

    Sanitair™ Air conditioner Split System Cleaning Service #aircon #cleaning, #air #conditioner #cleaning, #air #conditioning #cleaning, #air #conditioner #service, #portable #air #conditioner, #dirty #air #conditioner, #mould #in #air #conditioner, #how #to #clean #aircon, #townsville, #cairns, #mackay, #brisbane, #gold #coast, #newcastle


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  • Workers Compensation Attorney Florida #workers #compensation #lawyer #florida


    Workers Compensation Attorney in Florida


    There are NO FEES or COSTS unless you recover!

    Our attorneys will fight to get you the medical or wage benefits you are entitled to under the law.

    Employers and Insurance Companies have professionals working for them.

    It‘s time for you to hire us to protect your rights.

    Our Attorneys and Associates provide the following services:

    Workers Compensation. Social Security Disability. PIP claims. and Employment disputes in the entire State of Florida including West Palm Beach, Fort Lauderdale, Miami,and Orlando by Lyle B. Masnikoff.

    Our team is fluent in Spanish, Creole, and Portugese


    Clients include:

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    At the Law Offices of Lyle B. Masnikoff and Associates, P.A. we regularly update our clients with important information. Use the buttons below to sign up for our newsletter today.

    Heating Energy Cost Comparison: Heat Pump and Electric Heating Systems #natural #gas #air #conditioner #vs #electric


    Heating Energy Cost Comparison: Heat Pump and Electric Heating Systems

    Section 6 – Heating and Cooling with a Heat Pump

    Factors Affecting Heating Cost Comparisons

    As stated earlier, the relative savings you can expect from running a heat pump to provide heating in your home depend on a number of factors, including:

    • The cost of electricity and other fuels in your area.
    • Where your home is located – severity of winter climate.
    • The type and the efficiency of the heat pump you are considering – whether closer to the least energy-efficient or most energy-efficient HSPF or COP.
    • How the heat pump is sized or matched to the home – the balance point below which supplementary heating is required.

    Comparison Results

    Table 2 shows estimated heating energy costs for eight different heat pumps, an electric furnace, and an oil furnace. Seven locations across Canada have been selected for the purposes of this comparison. Six of these locations are cities, while one, rural central Ontario, is a region. Each has unique electricity costs. Results in other cities in the same climate region may differ, due to variations in electricity costs.

    A range of annual energy costs is provided by region for each heating system. This accounts for variations in equipment efficiency, size of house or annual heating requirements, and the ratio of heat pump to house heat loss. According to Table 2. the lowest operating costs for all systems are found in Vancouver, which has the warmest climate. The highest operating costs for most systems are found in rural central Ontario. In all of these estimated cases, heat pump systems have lower annual heating energy costs than electric or oil furnaces. Also note that in all locations, ground water EESs have lower operating costs than closed-loop EESs.

    The comparisons shown in Table 2 include only energy costs for space heating. For some heat pumps equipped with a desuperheater, domestic water heating costs can be reduced by 25 to 50 percent. This would increase the savings and improve the payback on investment for these systems. Furthermore, there may be payback and energy savings for those heat pumps, which can be used to meet space cooling requirements.

    Table 2:
    Heat Pump and Conventional Heating System –
    Heating Energy Cost Comparison
    (Energy cost range in $/yr.)
    (Simple payback period ranges in years shown in italics below energy cost ranges)


    to Oil

    1. Electricity prices are residential runoff rates as of November 2003, as supplied by local utilities. Rates varied from a low of 5.16¢ per kWh in Winnipeg to a high of 8.67¢ per kWh in Toronto.
    2. Oil prices are “typical” prices from local suppliers as of November 2003. Prices varied from 38.9¢ per litre in Montréal to 50¢ per litre in Halifax.
    3. AFUE: Annual Fuel Utilization Efficiency (seasonal efficiency).
    4. Simple payback period (shown in italics) is based on heating cost savings and initial cost. The initial cost for air-source heat pump systems is the additional cost from an air conditioner to the heat pump. The initial cost for EES heat pump systems is the full installed cost of the heat pump.
    5. HVAC Advisor 2.0 software, developed by NRCan, was used for all the cost simulations.
    6. The above costs are for space heating only. EESs are commonly equipped with a desuperheater to facilitate water heating. Desuperheaters can reduce electric water heating bills by $100 to $200 per year. Adding this savings to the space heating operating savings would reduce the payback period of an EES.
    7. The cost of equipment for the payback period analysis was derived from the data of RSMeans and other sources. These costs were adjusted to reflect local costs according to the location factors supplied by RSMeans.

    Date Modified: 2017-03-27

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    The Top Benefits of Video Conferencing for Your Business #video #conferencing #websites


    We all know that a picture is worth a thousand words, and crystal clear HD videoconferencing from ClearOne is the perfect example of how true that statement is. A live video conference is much more effective than a phone call in many different situations. For example, you may need to visually demo a new product with your international sales team or troubleshoot an issue with a client which requires data sharing. Literally seeing what you are discussing is far more effective and meaningful than trying to describe it verbally with an audio conference. Listed below are the some of the top benefits of video conferencing, based on conversations with customers, analysts, and value-added resellers:.

    Reduced Travel Costs

    The ability to be in several places at once without leaving your office is the next frontier and driving business productivity. Though face-to-face interactions with your customers, partners and colleagues will never be replaced, the huge leaps in quality, availability, and ease-of-use makevideoconferencing the closest thing to being there. When you calculate the number of trips taken annually and determine the associated costs (transportation to and from the airport, the cost of plane tickets, meals, time lost in travel, etc.) it is clear why videoconferencing is such an attractive alternative. Businesses often see that the cost of travel for just one employee can far outweigh the expense of a video conference system that can be used by the entire company. With ClearOne’s software-based COLLABORATE® video conferencing solution, your investment is future proof; compatible with existing infrastructure, and growing with your business without the need for since you can download software updates, instead of buying entirely new hardware.

    Increased Productivity Among your Customers and Teams

    In today’s market, it’s not unusual to have satellite offices across the country, or even the globe. Most of these offices will communicate with phone calls, email, or instant messages. The lack of face-to-face communication can cause misunderstandingswithn your teams, and worse, can result in lost or nonexistent communication. When video is implemented, participants are more likely to stay alert and focused on what is being discussed. As a result, projects are completed faster, productivity increases, and participants feel more in synch with each other and the message you want to convey.

    Improves Communication Reinforce Relationships

    During a videoconference you can see the facial expressions and body language of conference participants, leading to faster and more effective collaboration. These are both important aspects of communication that are lost with a basic telephone call. Allowing a CEO to hold a company-wide meeting in real time with offices across the globe makes employees feel closer to the home office. Imagine being able to speak with a manufacturer in China, displaying the prototype you want them to duplicate in crystal clear HD quality. What would have required an expensive and time-consuming trip, can now be down in minutes from the comfort of your own desktop computer.

    Competitive Advantage Over Your Competition

    There is no benefit for being second in bringing new products or ideas to market, and video communication creates and maintains competitive advantage for your business. Teams that communicate through video, will share knowledge faster and will be more informed, which reduces the time required to bring a new product or service to your customers. Support departments using videoconferencing can establish more personal relationships with their customers, which encourages a much deeper loyalty than just speaking on a phone with a call center. If you need to manufacture a product, you can verify the quality, make changes, and ensure accuracy through your product’s life cycle. You can accomplish in less than an hour, what it takes your competition to do in a week via shipping the product for review.

    With a variety of video conferencing solutions, ClearOne provides a powerful way to enable conferences and other video content to be streamed live or on demand around the world, employees, customers, partners, and students can use video to communicate, engage and interact with others across distance at any time, from wherever they are.

    Attend the FREE webinar Hard Facts about the Software Age – Video Conferencing Evolution on Thursday, August 1st at 1:00-2:00 EST with Adi Regev ClearOne, Vice President, Video Conferencing Business. Description: Video Conferencing continues to evolve. Knowing today’s trends and tomorrow’s direction is the key to providing future-proof solutions. It’s all about the user perspective the roadblocks to adoptions and the solutions to true ROI. Software-based solutions provide affordability and flexibility beyond hardware-based counterparts; opening the way future-proof scalability – the solutions ClearOne offers. Register to attend for FREE at

    For more information about how your organization can benefit from video conferencing, visit us at:


    Chase Clarke Stewart – Fontana Insurance Agency, Springfield, MA – Independent Insurance Agency #chase #insurance #agency


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    Chase, Clarke, Stewart & Fontana
    P.O. Box 9031
    101 State Street 8th Floor
    Springfield, MA 01102

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    Philadelphia Personal Injury Lawyers #philadelphia #personal #injury #lawyer, #philadelphia #personal #injury #attorney, #philadelphia, #pennsylvania, #attorney, #lawyer, #medical #malpractice, #wrongful #death, #auto #accident, #lawsuit, #semi #truck, #dui, #estate #planning



    Philadelphia Attorneys with a Reputation for Results in Catastrophic Injuries

    Messa Associates is a results-oriented personal injury law firm comprised of New Jersey and Philadelphia attorneys who specialize in medical malpractice, product liability, catastrophic injury, motor vehicle accidents, brain injury, birth injury, and burns, fires, and explosions. Founded by Joseph L. Messa, Jr. an AV-rated NJ and PA personal injury attorney listed in the Bar Register of Preeminent Lawyers. Messa Associates, P.C. invests it’s experience, energy, and compassion into each and every case. The attorneys of Messa Associates do not work for themselves but for their injured clients ; clients whose lives have been permanently and drastically changed due to negligence.

    Philadelphia Personal Injury Attorneys Utilize Animation Technologies

    A typical and wide-spread practice in personal injury law is to use visual aids during a trial to visually assist the jury in understanding where negligence may have taken place. Typically, these aids consist of enlarged photographs of injuries, accident scenes, body parts, etc. But as the technology for two and three dimensional graphics and interactive animations has surfaced, these one dimensional, poster board graphics have become outdated. That is why state-of-the-art animation technologies have been adopted for use by Messa Associates for many of our cases, in preparation for trial. With the use of this technology, attorneys at Messa Associates are able to clearly demonstrate negligence to a judge and jury during a personal injury or medical malpractice case.

    The Team at Messa Associates Prides Itself on its Client-Focused Philosophy

    • The experience to know what to expect
    • The insight to understand the intricacies of your case
    • The tenacity to fight for your interests
    • The empathy to provide real understanding and counsel
    • A history of proven results
    • The resources to take on even the largest companies

    I can’t thank the team at Messa & Associates enough. They make you feel lilke you are part of the family. they’re wonderful. TESTIMONY BY REGINA YANKANICH

    I turned to the team at Messa & Associates, who fought to get me justice. I found a champion in Joe. Thanks to him, I’m now able to afford the care I’ll need for the rest of my life. TESTIMONY BY ANN HARRISON-EVANS

    In 2002, I was a healthy, hard-working, 27-year-old truckdriver. But when the brakes and seat belt of my tractor trailer failed, I was paralyzed, changing my life forever. Messa & Associates fought for my future, and now I have one. TESTIMONY BY MARTON MINTO

    Messa Associates, P.C.

    If you have been injured, contact Joseph Messa, Jr, a Philadelphia personal injury lawyer and a New Jersey personal injury lawyer, at his offices in Philadelphia, Pennsylvania and in New Jersey. We serve all communities throughout Philadelphia, Pennsylvania and New Jersey. If you or a loved one has been the victim of a Birth Injury, Construction Accident Injury, Truck Accident Injury, or Airplane Injury, please complete a FREE consultation form or call us today.


    Philadelphia Office:
    123 South 22nd Street | Philadelphia, PA 19103
    Phone: 215-568-3500

    New Jersey Offices:
    2091 Springdale Road, Suite 2 | Cherry Hill, NJ 08003
    Phone: 856-810-9500

    475 White Horse Pike | Collingswood, NJ 08107
    Phone: 856-833-0600