Monthly Archive: January 2018

Carbon credits, carbon credits.#Carbon #credits

carbon credits

Carbon credits

Carbon credits

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Carbon creditsCarbon creditsCarbon credits

American Carbon Registry Approves Carbon Offset Methodology for Restoration of Pocosin Wetlands

ACR Publishes Expansive Methodology to Incentivize the Destruction of Ozone Depleting Substances and High Global Warming Potential Foam

U.S. Farmers Earn World’s First Carbon Credits from Rice Cultivation

ACR Announces Public Comment for Revisions to Program Documents

ACR Reaches Milestone Issuance of 100 Million Tonnes of Greenhouse Gas Emissions Reductions

ACR Announces Public Comment Period for Methodology for Avoided Conversion in Peat Swamp Forests

The collection doesn’t have any results.

The American Carbon Registry (ACR), a nonprofit enterprise of Winrock International, was founded in 1996 as the first private voluntary greenhouse gas registry in the world. A mission-driven institution named for philanthropist Winthrop Rockefeller, Winrock believes that climate change will have a profound impact on the poorest populations around the world and that markets are the most effective path to mobilize actions to reduce emissions.

Winrock operates ACR to create confidence in the environmental and scientific integrity of carbon offsets in order to accelerate transformational emission reduction actions. As a pioneer in harnessing the power of markets to improve the environment, ACR has set the bar for offset quality that is the market standard today and continues to lead market innovations.

Integrity

We are trusted for our focus on sound science and environmental rigor





Halifax, Reclaim PPI Guide, citifinancial credit card.#Citifinancial #credit #card

ReclaimPPIGuide

We do all the work so you don’t have to!

Have you been mis-sold PPI from Halifax?

If you’ve ever had a loan, credit card or mortgage from Halifax – if you’ve got one now or ever had one in the past – then there is a chance you had payment protection insurance (PPI) added to it.

You might know you took PPI – you might have felt pressured to take it, or told you had to – but just as likely is that you don’t know you took it.

PPI was often added to loans, credit cards and mortgages without people even knowing so if you don’t think you’ve ever taken PPI you should think again.

If you’ve currently got or ever had a loan, credit card or mortgage with Halifax then you should fill in the free, no-obligation enquiry form. If you have mis-sold PPI we can reclaim your money and get it returned to you, or if you don’t know if you have PPI, or don’t think you do, we can check to see if PPI was added to your loans, credit cards and mortgages and if it was then we can get your money returned to you.

Remember that Halifax are only obligated to keep any records they have on you for 6 years. After 6 years have passed Halifax are perfectly within their rights to get rid of any paperwork they have relating to any loans, credit cards or mortgages that you have taken with them.

Don’t delay in finding out if you’ve ever had PPI added to your loans, credit cards and mortgages with Halifax. Don’t delay and miss out on your chance to reclaim any money you’ve spent on PPI.

The first step is to find out if you have a claim and how much it could be worth.

If you’ve ever had a loan, credit card or mortgage with Halifax or anyone else, fill in the free, no-obligation enquiry form below. One of our expert claim handlers will call you to discuss your case. We will be able to determine if you have a claim and how much Halifax could owe you.

We will then send you out a free, no-obligation claims pack that has all you need in it to get your money back. If you decide you want us to reclaim what you are owed you need to return this to us then we proceed to get your money returned to you.

Reclaim what you’re owed

Enter your details in the boxes below then click on the ‘Submit’ button. We specialise in reclaiming mis-sold PPI and can find out if you can claim and how much you could be owed.

There are two kinds of people who have been mis-sold payment protection insurance (PPI) from Halifax.

  1. People who know they had PPI with a loan, credit card or mortgage.
  2. People who are completely unaware that PPI was added to their loan, credit card or mortgage; PPI was added without them knowing anything about it.

If you’ve ever had a loan, credit card or mortgage with Halifax you could well be one of these two kinds of people. We can help you either reclaim the PPI that you know was mis-sold to you or find out if PPI was added to any loan, credit card or mortgage that you have taken without you knowing about it. If you didn’t know you had PPI then you can definitely reclaim this.

We have been helping people reclaim their mis-sold PPI for over 3 years and have made thousands of successful claims. If you are thinking about reclaiming PPI, or if you want to find out if you can reclaim, or if you want to know if you have PPI at all, then we will help you do this.

Making a claim or finding out what you have and how much you are owed by Halifax is easy with us. Simply enter your details in the boxes on the right and we’ll send you out a very simple claims pack to fill in. You then return this to us and we will then do everything that needs to be done to get the information you need from your bank and reclaim what you are owed.





FASTBOOKING – Bring the digital traveler to your doorstep, credits.#Credits

Bring the digital traveler

to your doorstep

FASTBOOKING’s e-commerce solutions will help your hotel increase profit through a direct sales strategy.

Product Range

About us

Let’s get in touch

Newsfeed

Find out why and how can #Metasearch bring your hotel more direct #bookings The #webinar has just started! Join… twitter.com/i/web/status/9…

On @tnooz today: Ten vital distribution solutions every hotel needs to stay competitive by @FASTBOOKING twitter.com/i/web/status/9…

Credits

Tsuba Hotel: the story of a successful opening

An elegant 4-star Parisian hotel with 82 rooms, the Tsuba Hotel opened its doors a few months ago in Paris’ + Read More

An elegant 4-star Parisian hotel with 82 rooms, the Tsuba Hotel opened its doors a few months ago in Paris’ 17th arrondissement, a few steps from the Arc de Triomphe and the Champs-Élysées. Behind its beautiful 1920s façade, spacious interiors are inspired by the precision and pure elegance of Tsuba (鍔),

Credits

8 tips to improve your competitiveness and attractiveness

Today, a hotel’s pricing strategy is defined according to 3 main criteria: Segmentation: who are the customers you are targeting and + Read More

Today, a hotel’s pricing strategy is defined according to 3 main criteria: Segmentation: who are the customers you are targeting and what they can afford or are willing to pay Demand: the volume of travelers looking to stay in a hotel at a given price in a given time period, and for

Credits

Carole presents the Web Studio

We met Carole between two customer appointments. 590 hoteliers have chosen FASTBOOKING Web Studio to develop their sites this year, + Read More

We met Carole between two customer appointments. 590 hoteliers have chosen FASTBOOKING Web Studio to develop their sites this year, so one meeting follows another! With her team of experts, project managers, developers and graphic designers, Carole has enabled the launch of nearly 400 sites for individual hotels and groups since

Benchmark : Which galaxy does your hotel revolve in?

Credits

Credits

The Royal Monceau Raffles Paris gets a new look

Just a few days away from Paris fashion week, the main hotels from the City of Lights are preparing to + Read More

Just a few days away from Paris fashion week, the main hotels from the City of Lights are preparing to fill up. For this occasion, the legendary Parisian Royal Monceau Palace website has been redesigned and offers a new haute couture online showcase! The Royal Monceau, renovated in 2012 by Philippe

Credits

Selecting the right Hotel Direct Distribution Solutions

As a Hotel Manager/Director, have you ever felt uncertain or slightly overwhelmed by the number of partners and tools you + Read More

As a Hotel Manager/Director, have you ever felt uncertain or slightly overwhelmed by the number of partners and tools you need to manage to properly market your hotel? It’s a fact that in today’s hotel marketing world, managing online distribution performance, hoteliers need to activate various triggers and a

Credits

How to attract Corporate travelers to your hotel?

By 2016, business travel spending was US $ 1,300 billion, and the Global Business Travelers Association expects it to grow + Read More

By 2016, business travel spending was US $ 1,300 billion, and the Global Business Travelers Association expects it to grow by 6% by 2020. Are business clients an opportunity for independent hotels and how can you capture it? Breakfast on-the-go, early departure, quick check-in. business customers are often easy to manage. Moreover,





Singapore fines Credit Suisse, UOB over 1MDB-link dealings, wraps up review, Reuters, credit suisse.#Credit #suisse

Singapore fines Credit Suisse, UOB over 1MDB-linked dealings, wraps up review

SINGAPORE/ZURICH (Reuters) – Singapore s central bank has fined Credit Suisse and United Overseas Bank (UOB) a total of S$1.6 million ($1.2 million) for breaching anti-money laundering rules in transactions related to Malaysia s scandal-ridden state fund 1MDB.

The Monetary Authority of Singapore (MAS) said on Tuesday it had fined UOB S$900,000 and Credit Suisse ( CSGN.S ) S$700,000 as it wrapped up its two-year probe into banks involved in 1MDB-related transactions, which revealed several breaches of anti-money laundering (AML) requirements and control lapses.

These include weaknesses in conducting due diligence on customers and inadequate scrutiny of customers transactions and activities, it said in a statement, adding it did not, however, detect pervasive control weaknesses at UOB and Credit Suisse.

The fines are smaller than those the authority has already imposed on other banks as part of its biggest money-laundering investigation. It has now imposed penalties of S$29.1 million on eight banks.

Once a pet project of Malaysian Prime Minister Najib Razak, who chaired its advisory board, 1MDB is the subject of money-laundering investigations in at least six countries including Switzerland, Singapore and the United States.

Najib has denied any wrongdoing.

While the fines imposed on UOB and Credit Suisse may appear low relative to the amounts that we see imposed by U.S. and UK regulators, they are substantive by Singapore standards, said Nizam Ismail, partner at RHTLaw Taylor Wessing LLP, where he advises clients on financial services regulation.

Unfortunately, the presence of financial crimes is a reality and occupational hazard of major international financial centers. But when they are detected, the enforcement is robust and extensive – which is what MAS has done.

Last year, MAS fined DBS ( DBSM.SI ), UBS ( UBSG.S ), Standard Chartered ( STAN.L ) and private bank Coutts for breaches of Singapore s anti-money laundering laws in connection to 1MDB transactions.

Separately, Swiss financial watchdog FINMA said on Tuesday it had conducted extensive investigations into Credit Suisse s dealings surrounding 1MDB, resulting in a written reprimand for Switzerland s second-biggest bank.

As part of a two-year review into 1MDB-related transactions, Singapore has shut down the local units of BSI Bank and Falcon Bank due to failures of money laundering controls and improper conduct by senior management, frozen millions of dollars in bank accounts and charged several private bankers.

The price for keeping our financial center clean as it grows in size and inter-connectedness is unstinting vigilance, said Ravi Menon, managing director of the central bank.

MAS has enhanced its AML surveillance and taken unprecedented enforcement actions against errant institutions and individuals, he said.

The extensive review uncovered a complex web of transactions involving shell companies and individuals operating in multiple jurisdictions, including the United States, Switzerland, Hong Kong, Luxembourg and Malaysia.

Credit Suisse takes a very serious view of our obligations in the prevention of money laundering and is firmly committed to upholding the high standards of the Singapore financial center, the bank said in a statement.

UOB, the smallest of Singapore s three listed banks, also said it had accepted the findings by MAS.

We have instituted measures to address the areas of concern, including enhancing our training program to raise risk and control awareness among our staff, it said.

Reporting by Anshuman Daga and Joshua Franklin in ZURICH; Additional reporting by Miyoung Kim and Masayuki Kitano in SINGAPORE; Editing by Stephen Coates and Mark Potter





Farmers are Capitalizing on Carbon Sequestration: How Much is Your Carbon-Rich Soil Worth? Modern Farmer, carbon credits.#Carbon #credits

Farmers are Capitalizing on Carbon Sequestration: How Much is Your Carbon-Rich Soil Worth?

By Brian Barth on April 6, 2016

Carbon credits

Carbon farming—a catch-all phrase to describe the cultivation techniques that take carbon dioxide out of the atmosphere (where it causes global warming) and convert it into carbon-based compounds in the soil that aid plant growth—has long been touted as a way to enlist farmers in the fight against climate change. Thanks to the growing market for carbon sequestration, farmers could soon stand to profit from such good deeds.

Environmentally-minded farmers are well aware that building up soil carbon is one key to achieving high yields without chemical inputs. It’s through the expansion of global carbon markets, however, where polluting corporations purchase “ carbon credits ” to offset their carbon emissions, that farmers are starting to get paid for adopting these practices.

When these polluters purchase carbon credits, the money goes to another company, organization, or project that has prevented an equivalent amount of carbon dioxide or other greenhouse gases (GHGs) from entering the atmosphere (which can include a farmer). The transaction is mitigated by a broker, called a carbon registry. In the past, wind farms, solar panel facilities, and reforestation projects were among the most common recipients of carbon credits, but farm-based carbon credits are becoming more widely available. Notably, Australia, Alberta, Kenya, and California now have active programs to reward on-farm carbon sequestration.

Measuring the actual amount of carbon sequestered in soil and plants is a costly and inexact science, which is one reason that farm-based approaches haven’t been widely accepted by carbon credit programs yet. (It’s much easier to quantify reduced carbon emissions with things like solar power.) Rather than measuring the carbon sequestered on each farm, carbon credit programs rely on the average carbon sequestration ability of particular practices (like adding organic matter to the soil, planting cover crops, and reducing soil disturbance) that have been tested over time and scientifically verified. The bottom line is that farmers aren’t expected to calculate their own soil carbon levels—it’ll be inferred by the credit-granting organization based on their farming practices.

To help farmers get an idea of their current climate impacts and prospects for earning carbon credits, however, the USDA now has a free web-based tool called COMET-Farm , which provides an approximate carbon footprint based on user-supplied data and allows farmers to apply different land management scenarios to see which has the greatest carbon sequestering ability.

So how much might a farmer make for their soil carbon? Not much, at least not yet.

Here is how it works: Land-based carbon sequestration is measured in metric tons per hectare (2.5 acres); one metric ton earns one carbon credit, making the math easy. In California—the only state in the US with a full-fledged cap-and-trade program— the current value of a carbon credit is around $12 to $13. (Farmers in other states, by the way, are eligible to earn credits through the California carbon market.) Alberta, which has the most robust carbon market in Canada and rewards several agricultural practices with carbon credits, raised the price of carbon credits from $15 to $20 on January 1, 2016; in 2017, the price will go up to $30 per credit.

According to data analyzed by carbon farming expert Eric Toensmeier , farmers who convert to no-till practices and start using cover crops may achieve a net carbon gain of only one or two tons per hectare each year, though diverse agroforestry systems in the tropics may achieve improvements of 30 or 40 tons per hectare. For example, if a farmer with a 100-hectare farm (250 acres) was able to sequester 2 metric tons of carbon per hectare and sell the credits for $15 each (100 hectare × 2 tons × $15), they would net $3,000. Depending on the practice, that income might accrue yearly, or it might be a one-shot opportunity.

There are various caveats. Not just any farmer can go sign up for carbon credits based on their soil conservation practices. The rule of thumb is that only farmers who make a positive change to their land management approach are eligible for credits. In other words, as it currently stands, if you already use no-till cultivation techniques, enrich your soil with compost, and plant cover crops, you can’t earn money for those practices. Farmers that are taking over degraded land that has been farmed with conventional practices have the most to gain by getting involved in the carbon market.

Farmers that are taking over degraded land that has been farmed with conventional practices have the most to gain by getting involved in the carbon market.

It’s also important to note that most of the agricultural practices that have been approved for carbon credits to date are not geared to reward eco-friendly carbon farmers, but are intended as incentives to get agricultural polluters to clean up their act: The main beneficiaries thus far are corn growers who commit to reducing nitrogen fertilizer use (which releases nitrous oxide, one of the three main GHGs); dairy farmers who capture methane (another major GHG) from their manure lagoons and convert it to electricity; and rice producers who take steps to minimize the naturally-occurring methane emissions of their paddies.

That trend is starting to change, however. Last year in California, for example, a new carbon credit ”protocol,” as the rules governing carbon sequestration practices are called, was approved: spreading compost over grazed grasslands, the type of landscape where grassfed beef and other pastured animal products are raised. This was largely thanks to a group of dairy farmers north of San Francisco called the Marin Carbon Project . Their research proved that a ½-inch dusting of compost resulted in roughly 1 metric ton of carbon captured per hectare per year. Notably, they found that a one-time application of compost jumpstarted biological processes in the soil that resulted in another ton captured annually for many more years, without the addition of more compost.

To receive compensation for their efforts, farmers in the United States must sign up with a carbon credit registry, such as the Climate Action Reserve , the American Carbon Registry, or and the Verified Carbon Standard . These organizations provide third-party verification much like an organic certifier—an inspector will come out to your farm on a regular basis to make sure you’ve implemented the practices in accordance with the protocol.

Dr. Adam Chambers, an air quality scientist with the USDA who helped to develop the COMET-Farm tool, says the data it provides should pave the way for farmers to monetize carbon sequestration practices as the carbon market matures. How quickly the market develops depends largely on political forces—climate-friendly California became the first state to institute a mandatory cap-and-trade program in 2012, but if the federal government were to follow suit, the value and trading volume of the carbon market could heat up quickly.

If that occurs, Chambers thinks farm-based carbon credits may be positioned to play a significant role. “Different types of credits seem to have different levels of charisma,” he says, in reference to the corporate polluters who purchase credits and their interest in promoting the results of their good deeds. “And the agricultural credits seem to be generating interest because these producers are growing food and fiber for the world.” Making productive use of the land, while improving soil quality for future generations and making an extra few bucks—who could argue with that approach to farming?





Mini credit, mini credit.#Mini #credit

$500 Disaster Relief Credit

Customer must provide proof of total vehicle loss from an insurance company indicating loss/damage to their vehicle impacted by Hurricane Harvey in August 2017 to be eligible for the Disaster Relief Certificate. The Disaster Relief certificate will be available for use toward the purchase or lease on any new 2017 or 2018 MINI. Must take delivery by January 2, 2018. The MINI Disaster Relief Certificate is available for customers who purchase or lease or finance through MINI Financial Services and is non-transferrable. Certificates can be combined with Sales Support Programs, including Lease and APR Credits and Loyalty Credits. Offer not valid in conjunction with any other Certificate offer.

$500 Disaster Relief Credit

Offer valid with participating MINI dealers in Florida. Customer must provide proof of total vehicle loss from an insurance company indicating loss/damage to their vehicle impacted by Hurricane Irma in September 2017 to be eligible for the Disaster Relief Certificate. The Disaster Relief certificate will be available for use toward the purchase or lease on any new 2017 or 2018 MINI. Must take delivery by January 2, 2018. The MINI Disaster Relief Certificate is available for customers who purchase or lease or finance through MINI Financial Services and is non-transferrable. Certificates can be combined with Sales Support Programs, including Lease and APR Credits and Loyalty Credits. Offer not valid in conjunction with any other Certificate offer.

$500 Disaster Relief Credit

Offer valid with participating MINI dealers in Puerto Rico. Customer must provide proof of total vehicle loss from an insurance company indicating loss/damage to their vehicle impacted by Hurricane Maria in September 2017 to be eligible for the Disaster Relief Certificate. The Disaster Relief certificate will be available for use toward the purchase or lease on any new 2017 or 2018 MINI. Must take delivery by January 2, 2018. The MINI Disaster Relief Certificate is available for customers who purchase or lease or finance through MINI Financial Services and is non-transferrable. Certificates can be combined with Sales Support Programs, including Lease and APR Credits and Loyalty Credits. Offer not valid in conjunction with any other Certificate offer.

Why MINI

Models

Shopping

Legal

All model year 2018 MINI vehicles and newer sold or leased by an authorized MINI dealer come standard with Complimentary Scheduled MINI Maintenance for the first 3 years or 36,000 miles whichever comes first. Only the following maintenance items are included with Complimentary Scheduled MINI Maintenance when they are performed as outlined in the vehicle’s Maintenance booklet: Engine oil and filter, Brake fluid, Cabin microfilter, Engine air filter, Spark plugs and Remote control key battery

NON-TRANSFERABILITY: Complimentary Scheduled MINI Maintenance program is an exclusive benefit that applies to the initial purchaser, owner, or lessee of a new vehicle, sales demonstrator vehicle, Aftersales Mobility Program vehicle, or BMW Group company vehicle from an authorized MINI dealer in the United States (including Puerto Rico). Coverage is not transferable to subsequent purchasers, owners, or lessees. The sole exception to the non-transferability of coverage is that household transfers – transfers within the United States (including Puerto Rico) to members of the household of the initial purchaser, owner, or lessee of a MINI vehicle from an authorized MINI dealer – will not terminate coverage. Household transfers are limited solely to transfers to a current or former spouse or spousal equivalent, child, sibling, parent, grandparent, or grandchild from the initial purchaser, owner, or lessee of a vehicle. In the event of a household transfer, purchasers, owners, or lessees of a MINI vehicle should promptly advise their authorized MINI dealer to document and confirm the household transfer for purposes of coverage. The payoff of a loan on a vehicle by the initial purchaser and the purchase of a leased vehicle by the initial lessee are not considered transfers for purposes of coverage.





DSL information, mini credit.#Mini #credit

mini credit

Mini credit

What is DSL?

Damn Small Linux is a very versatile 50MB mini desktop oriented Linux distribution.

DSL was originally developed as an experiment to see how many usable desktop applications can fit inside a 50MB live CD. It was at first just a personal tool/toy. But over time Damn Small Linux grew into a community project with thousands of development hours put into refinements including a fully automated remote and local application installation system and a very versatile backup and restore system which may be used with any writable media including a USB device, floppy disk, or a hard drive.

DSL has a nearly complete desktop, and a tiny core of command line tools. All applications have been chosen for the best balance of functionality, size and speed. Damn Small also has the ability to act as an SSH/FTP/HTTPD server right off of a live CD. In our quest to save space and have a fully functional desktop we’ve made many GUI administration tools which are fast yet still easy to use. What does DSL have?

XMMS (MP3, CD Music, and MPEG), FTP client, Dillo web browser, Netrik web browser, FireFox, spreadsheet, Sylpheed email, spellcheck (US English), a word-processor (Ted), three editors (Beaver, Vim, and Nano [Pico clone]), graphics editing and viewing (Xpaint, and xzgv), Xpdf (PDF Viewer), emelFM (file manager), Naim (AIM, ICQ, IRC), VNCviwer, Rdesktop, SSH/SCP server and client, DHCP client, PPP, PPPoE (ADSL), a web server, calculator, generic and GhostScript printer support, NFS, Fluxbox and JWM window managers, games, system monitoring apps, a host of command line tools, USB support, and pcmcia support, some wireless support.

Curious about who we are? Check out the contributors page.

3.x Supports Application launching from limited icons. Application centric. Menu driven.

4.x Supports Drag-N-Drop, Folder/Document centric. Many icons. Can be run menuless.

Current 4.x version: 4.4.10, screenshots: 1 2





Rates from Indiana Members Credit Union, credit union rates.#Credit #union #rates

Rates

Annual Percentage Rate

Annual Percentage Yield

Penalty will be imposed for early withdrawal. $1,000 minimum balance. Rates current as of 11/1/17.

IRA Certificate Rates

Annual Percentage Rate

Annual Percentage Yield

Penalty will be imposed for early withdrawal. $1,000 minimum balance. Rates current as of 11/1/17.

IRA Savings Rates

Annual Percentage Yield

Fees may reduce earnings and rates may vary.

Money Market Rates

Annual Percentage Yield

$100,000 and greater

Dividend rate is variable and may change after account is opened. Rate is accurate as of 11/1/17. $2,500 minimum balance required to earn dividends.

Savings Account Rates

Annual Percentage Yield

Dividend rate is variable and may change after account is opened. Rate is accurate as of 11/1/17. $50 minimum balance required to earn dividends. Fees may reduce earnings.

Christmas Club Account Rates

Annual Percentage Yield

Dividend rate is variable and may change after account is opened. Rate is accurate as of 11/1/17. $5 minimum balance required to earn dividends. Fees may reduce earnings.

Health Savings Account Rates

Annual Percentage Yield

Dividend rate is variable and may change after account is opened. Rate is accurate as of 11/1/17. $50 minimum balance required to earn dividends.

Preferred Checking Account Rates

Annual Percentage Yield

Dividend rate is variable and may change after account is opened. Rate is accurate as of 11/1/17. $1,000 minimum balance required to earn dividends. Fees may reduce earnings.

Rates current as of 11/1/17. NOTE: All terms above subject to change without notice.

Personal Lending Rates

Prime Rate Home Equity Line-of-Credit Program

Minimum Loan Amount

Maximum Loan Amount

80% of appraised value, less balance of 1st mortgage

Variable, based on Prime + margin

HELOC Monthly Payment

The monthly payment will be calculated at 1% of loan

balance at the time of the last draw.

Minimum Monthly Payment Option

Pay Principal and Interest each month.**

The most flexible payment option.

Minimum Monthly Payment Option

Current Rate (80% LTV and less) as low as

*Annual percentage rate. Rate effective 11/1/17 and subject to change. Rates are based on an index of Prime Rate published in the Wall Street Journal on the last Tuesday of the month plus a margin. IMCU rates change the first of the following month. Rates may vary based on credit scores and CLTV. States Rate requires maximum 80% CLTV and minimum FICO score of 680. Maximum rate is 21%. Subject to credit approval. Owner occupied properties only.

**Regardless of the minimum required payment, you may always choose to pay more.





MINI of Murray, A Salt Lake City Utah MINI Cooper Dealer, mini credit.#Mini #credit

mini credit

Mini credit

  • Sales: 801.262.9475
  • Service: 801.262.9475

Please specify a search term

Mini credit

Mini credit

CERTIFIED PRE-OWNED MINI

Our Service Department is operated by the most experienced MINI certified technicians in Utah.

  • Are you looking for parts for your MINI? Look no further we have your parts here online just order and pick up.

  • If you want your MINI to stand out from the rest customize it with the MINI accessories.

  • Don’t let bad credit get between you and your new car! We can offer you a payment plan that won’t break the bank.

    Welcome to MINI of Murray, your number 1 Utah MINI dealer, winner of the Motoring Cup for best dealership in sales, service and customer satisfaction.

    We’re always here to help with expert advice for sales, service and maintenance. Please feel free to contact us anytime you have questions.

    MINI Financing, Service, Parts, and Accessories

    Are you looking at financing your new or used car? Our Motoring Advisers are here to help you find the right financing that will fit your budget from as low as 0.9% APR and zero cost maintenance from boot to bonnet.





  • Credit Repair: Fix Credit Scores and Reports, Ovation Credit, get credit scores.#Get #credit #scores

    get credit scores

    We work with credit bureaus and creditors to resolve issues with your credit reports. Make sure your credit report is the best it can be.

    Break Free From Bad Credit

    Get Mobile With Ovation

    With our mobile-friendly website you can join the tens of thousands of consumers that have relied on Ovation to resolve credit reporting discrepancies since 2004.

    Comprehensive

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    Ovation offers more Corrections, Education and Optimization. Our formula is proven and our commitment to our clients is unquestionable.

    of all credit reports contain errors serious enough to result in the denial of credit.

    of credit reports contain mistakes of some kind.

    of credit reports contain information that is long outdated, belongs to a stranger, or is otherwise incorrect.

    of credit reports contain credit accounts that have been closed by the consumer but are reported incorrectly.

    Ovation makes credit repair fast, easy and effective

    We are here to help you achieve your optimal credit profile. We work with creditors to resolve items that should be removed, updated, or re-characterized. At Ovation we’ve effectively disputed every kind of problem a credit report can have and we’re waiting to help you now.

    How It Works

    Choose from one of our two customized program options: Essentials and Essentials Plus.

    We provide your TransUnion and Equifax and guide you through obtaining your Experian report.

    We discuss the report with you and dispute your questionable credit reports items.

    You relax and watch the results as your credit is improved one step at a time.

    Powerful Results

    improvements per customer on average

    years of Professional Credit Report Repair

    credit Profiles corrected by Ovation And Counting

    Recent Blog Posts

    5 Ways to Pay Off Credit Card Debt
    Debt after Death: 10 Things You Need to Know
    Credit Utilization: Master This Key Scoring Factor
    Improving Your Finances: Debt Settlement vs. Credit Counseling vs. Credit Repair

    Essentials Program

    The Essentials Program includes everything that you need for most standard credit report repair issues, and allows you to dispute each item on your credit report that you feel is inaccurate, misleading, or unverifiable in any way. Read More.

    • Professional Credit Analyst
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    Essentials Plus Program

    The Essentials Plus program is designed for more complex credit repair issues. It packs all the punch of the Essentials program but adds several other cutting-edge components to create a multi-tiered approach, giving you best possible results. Read More.

    • Everything in The Essentials
    • Unlimited Validation Letters
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    • 24/7 TransUnion Credit Monitoring
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    2004-2017 Ovation Credit Services, Inc. All rights reserved. No part of this site may be copied, distributed or reproduced without prior written permission. The services of Ovation and its affiliates may not be available in all states. Ovation Credit Services, Inc. assists consumers with credit reports that are inaccurate, misleading, unverifiable, untimely, incomplete or that otherwise contain incorrect information. All testimonials are from actual clients. Individual results may vary. Policies and Terms last updated on 02/01/2014.





  • Welcome to Alison Angel, get credit.#Get #credit

    get credit

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    Financial Calculator, Free Online Calculators from, credit union.#Credit #union

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    Alliant – An Online Credit Union for all your banking needs, credit bank.#Credit #bank

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    33. Alliant Credit Union, Chicago, IL. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.

    34. We may provide links to third party sites, independent from Alliant Credit Union. These links are provided only as a convenience. Alliant Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Alliant Credit Union.

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    World Council of Credit Unions, World Council of Credit Unions, credit union.#Credit #union

    World Council Activates

    Caribbean Relief Fund

    Credit unions and members suffer significant loss following Hurricanes

    European Parliamentarians Support Increasing Credit Union Business Lending – Read More

    World Council Onboards New Talent – Read More

    Polish-Ukrainian Cross Border Cooperation Fosters Dialogue on Credit Union Systems – Read More

    World Council Activates Caribbean Relief Fund – Read More

    Credit for Agriculture Producers Project Hosts Engagement Visit for International Credit Union Experts – Read More

    We’re Hiring! – Apply Now

    What We Do

    November 07, 2017

    European Parliamentarians Support Increasing Credit Union Business Lending

    BRUSSELS The European Parliament Credit Union Interest Group met on 7 November with the European Network of Credit Unions to discuss how the European Union can promote increased business lending to small and medium-enterprises by credit unions. Credit unions have a long history of business lending in Europe beginning in the 1850s with agricultural loans. Today, European credit unions have billions of Euros in available lending capacity that can be used to provide credit to small and medium-sized businesses in a number of European Union member states.

    September 14, 2017

    World Council Activates Caribbean Relief Fund

    MADISON, Wis – Hurricane Irma, one of the strongest storms ever to hit the Caribbean brought devastation, loss of life and damage of epic proportions . Anguilla, Barbuda and Tortola have experienced major devastation. The Bahamas and St. Kitts and Nevis were also impacted but to a lesser degree.

    Faces of Ukraine

    Credit for Agriculture Producers (CAP) Project partner, CU “Kredit Souz”

    Credit for Agriculture Producers Project Hosts Engagement Visit for International Credit Union Experts

    KIEV, Ukraine The Credit for Agriculture Producers (CAP) Project in the Ukraine organized and hosted an engagement visit for international credit union experts, composed of members of World Council of Credit Unions (WOCCU) and the Global Women s Leadership Network to Ukraine from July 28 to August 2. Representatives of two national credit union associations, the All-Ukrainian Credit Union Association (AUCUA) and the Ukrainian National Association of Savings and Credit Unions (UNASCU), the credit union sector Regulator in Kiev and local credit unions from several regions in Ukraine participated in the events. The visit was led by Brian Branch, World Council president and CEO and Ewa Sierzynska, the CAP Project s Chief of Party.

    Spotlight: Liberia

    Examining the importance of savings mobilization and digital finance to further expand access to the unbanked, especially to rural women based on lessons learned from our UNCDF programs in Rwanda and Liberia.

    2017 WCUC Interviews

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    We advocate on behalf of the global cooperative financial movement

    Regulatory burden impacts us all. We advocate protect cooperative financial institution competitiveness to limit regulatory burden globally.

    15 – 18 July 2018

    World CU Conference

    The World Credit Union Conference is the premier global event for the credit union industry with the most take-home value. Attendees from around the globe include Board Members, CEO s, Executive Directors, Senior Management and more. This is the only conference that has a global focus on improving lives through credit unions. We offer top-class educational sessions on key topics, networking opportunities without comparison and an excellent team-building environments that will facilitate and grow decision making.





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    If You Are Using A Screen Reader And Are Having Problems Using This Website, Please Call 1.866.867.7431 For Assistance.





    Credit Report, Credit Score and Credit Rating – Office of Consumer Affairs, credit rating scale.#Credit #rating #scale

    Credit Report, Credit Score and Credit Rating

    Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information. These files are called credit reports. A credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.

    Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

    Summary of methods to request your credit report and their respective characteristics

    Internet

    Credit Score

    Your credit score is a judgment about your financial health, at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers.

    There are many different ways to work out credit scores. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Lenders may also have their own ways of arriving at credit scores. In addition, lenders must decide on the lowest score you can have and still borrow money from them. They can also use your score to set the interest rate you will pay.

    Credit Rating

    Some credit-reporting agencies report the lenders’ rating of each of your credit history items on a scale of 1 to 9. A rating of 1 means you pay your bills within 30 days of the due date. A rating of 9 means that you never pay your bills at all or that you have made a consumer debt repayment proposal to the lender. A letter will also appear in front of the number: for example, I2, O2, R2. The letter stands for the type of the credit you are using.

    • I means you were given credit on an installment basis, such as for a car loan, where you borrow money once and repay it in fixed amounts, on a regular basis, for a specific period of time until the loan is paid off.
    • O means you have open credit such as a line of credit, where you borrow money, as needed, up to a certain limit and the total balance is due at the end of each period. This category may also include student loans, for which the money may not be owing until you are out of school.
    • R means you have revolving credit, where you make regular payments in varying amounts depending on the balance of your account, and can then borrow more money up to your credit limit. Credit cards are a good example of revolving credit.

    The most common ratings are R ratings. These are known as North American Standard Account Ratings and are the most frequently used. The R indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates on time , one month late , two months late , etc. , into two-digit codes. 3





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    Did you know that your credit scores could end up saving you hundreds or even thousands of dollars? A credit score is one of the most important components of a consumer s financial profile. In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

    Annualcredit.com

    You can obtain your free credit report from many sources but the only site which will truly show free scores is free annual credit report.com. It is the right of every American citizen to obtain a free annual credit report once a year. These reports are free of charge and do not enroll the user into any subscription service.

    Inaccuracies Mixed Credit Files

    Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to have corrected. Of course, if you do not order your credit report, you might never know about them. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to bring the inaccurate information to the attention of the credit bureau promptly.

    Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copies of your free reports, which will show you if there are accounts listed you know you have not opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. Your free annual credit report com is available by clicking on the link below.

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    Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Reviewing your reports will help you catch new activity on accounts that you have not been using, or may have closed or sent to consumerinfo.

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    Secured Credit Cards, secured credit cards.#Secured #credit #cards

    Secured Credit Cards

    Secured credit cards are different from prepaid cards since cardholders are provided a credit line that will be reported to the Consumer Reporting Agencies. Even if you have a low credit score or a poor financial history, secured cards are one tool to show you can responsibly manage credit. Paying your minimum payment on time each month and keeping your balance low relative to your limit will provide your credit report with positive marks on a monthly basis. If your credit card applications have been turned down in the past due to bad credit, then a secured credit card is exactly the tool you need to regain control of your credit future.

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    Secured credit cards

    • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
    • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
      • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
      • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
      • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
      • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
      • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

      Secured credit cards

      • No annual fee, and all the credit building benefits with responsible card use
      • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
        • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
        • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
        • Easily manage your account 24/7 with online access, by phone or using our mobile app
        • It’s a credit card accepted at millions of locations worldwide

        Secured credit cards

        • If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000
        • No credit history required to apply for this credit card
          • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts.
          • Previous bankruptcy OK ​​
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            • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
            • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
            • A security deposit is required for this product (minimum $200)
              • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
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    The Best Secured Credit Cards that Don’t Require Credit Checks, secured credit cards.#Secured #credit #cards

    The Best Secured Credit Cards that Don’t Require Credit Checks

    Secured credit cards

    Secured credit cards

    This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. Please visit our Advertiser Disclosure to view our partners, and for additional details.

    When shopping for a secured credit card, there may be a number of reasons you want to apply for the card without adding a credit inquiry to your credit report. Credit inquiries not only show where you have applied for credit, but depending on the individual credit report, can decrease your score by at least five points. From a lender’s viewpoint, multiple inquiries within a short period of time can also indicate a credit risk.

    There is a difference between the types of inquiries you might see on your credit report, often referred to as hard pulls (or inquiries) and soft pulls. Soft pulls do not require your permission and also do not affect your credit score. These types of inquiries are often the result of background checks, pre-approvals, or even checking your own credit score. Hard inquiries require your authorization and usually occur when lenders for auto loans, credit cards, or mortgages, are determining your credit worthiness.

    If you’re worried about getting rejected for credit cards, resulting in multiple hard inquiries on your credit and a lower score than you started with, check out these secured cards that don’t require a credit check for approval (though some might do one after approval to determine your APR). (See also: 5 Best Secured Cards)

    OpenSky Secured Visa Credit Card

    Secured credit cardsSecured credit cardsThe OpenSky Secured Visa Credit Card is a popular card for rebuilding credit. There are no credit checks, and you can expect to be approved for the card even if you have filed bankruptcy or have had other credit problems in the past. As long as you make your security deposit of at least $200, you can receive a credit card with a limit in the amount of the deposit.

    This card is also a great card because of its annual fee of $35, which isn’t the lowest, but falls right about in the middle when compared to other secured cards. Furthermore, the variable APR of 18.39% applies to purchases, balance transfers, and cash advances, which can be as much as 25% with other cards.

    primor Secured Visa Classic Card

    Secured credit cardsSecured credit cardsThere are no credit checks for the primor Secured Visa Classic Card, which includes an annual fee of $39. If you’ve had credit problems in the past, it is one of the easiest credit cards to be approved for. Furthermore, the APR for purchases is fairly low in comparison to other secured credit cards, at a fixed 13.99%.

    USAA Secured Card Platinum Visa

    Secured credit cardsSecured credit cardsYou can apply for the USAA Secured Card Platinum Visa and the American Express version without a credit check. Once approved, there may be a credit check which establishes your interest rate and other features.

    You need to be a USAA member to qualify for any of the financial products, but there are a number of ways you might qualify as a member. There is a $35 annual fee, which is slightly higher than other cards, but you can also qualify for a variable APR of 10.90% – 20.90%.

    First Progress Platinum Prestige MasterCard Secured Credit Card

    Secured credit cardsSecured credit cardsFirst Progress offers three versions of its secured credit cards, the Prestige, Elite, and Select. There are no credit checks for preapproval of the cards, which can be helpful if you want to first see if you qualify before a hard inquiry. However, there may be a hard inquiry on your credit report in order to be fully approved for the card.

    The cards are also easy to qualify for. There are no membership requirements and First Progress products are designed for those who have had credit problems in the past. The First Progress Platinum Prestige MasterCard Secured Credit Card charges a slightly higher annual fee, but also includes the opportunity for an APR for purchases as low as 9.99% variable.

    Like this article? Pin it!

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    Mortgages For People with Bad Credit Rating or Adverse Credit History, bad credit mortgages.#Bad #credit #mortgages

    Get a mortgage with a bad credit rating

    The number of lenders who provide remortgages and mortgages for people with credit problems is limited. There are just a handful of lenders who will help people with CCJs, defaults, mortgage arrears, discharged bankrupts and individuals with a poor credit score or bad credit rating.

    The adverse, sub-prime or bad credit mortgage industry as it’s often known has certainly come out of the shadows in the last few years. A decade ago it was a byword for unscrupulous brokers charging high fees and lenders bending over backwards with tantalising offers. Before the credit crunch in 2007 there was a broad range of competitively priced products, less punitive and more innovative in terms of deals. However, in the past few years the market has changed and lenders have become increasingly wary about lending to people with less than perfect credit history.

    Having a poor credit rating can be a deflating and traumatic experience, whatever the reason. But there may be deals out there for you whether you’re a first time buyer or moving home. Specialist lenders offer what are known as credit repair deals. Here, you will have to pay a higher interest rate than you would with a conventional deal and put down a sizeable deposit. However, once you have maintained your payments on one of these deals for a sufficient period (usually about three years) your credit history may be in a better position to remortgage back on to a high street deal and reap the benefits of more competitive rates.

    People often find it useful to contact a mortgage broker who has experience in the area of adverse credit lending and non standard mortgages. You can do this by simply completing the no obligation contact form on this website. There are a few specialist lenders out there and they get most of their business through brokers.

    A truly independent broker will look at your individual circumstances and find the best mortgage for you. They may be able to help you find a mortgage even if you have been turned down elsewhere.

    Each enquiry will be dealt with by an experienced advisor in a constructive and sympathetic manner. Even if you have County Court Judgements, credit card defaults, loan defaults, mortgage or rent arrears, bankruptcy, IVA, are self-employed or have difficulty proving your income, there may be suitable products available for you.

    Just get in touch with a broker, tell the broker about your situation, and let them do the hard work.





    Sunbelt Solar Energy- Solar Power For Your Home Tampa, Sarasota Solar Panels, sunbelt credit.#Sunbelt #credit

    Sunbelt Solar Energy

    Sunbelt Solar Energy is a division of Sunbelt Electric, Inc. We seek to bring eco-friendly solar photovoltaic power generation to home and commercial building owners in Florida.

    • Education… We know it is vital to educate home and business owners about the benefits of solar energy both for our environment and to you.
    • Design… Systems are designed to suit your particular energy and aesthetic needs, and to meet local building codes. The systems are engineered to withstand 130 MPH or greater windspeeds.
    • Unsurpassed Service… Professional installers and sales staff are at your service to ensure your project is completed in a timely and quality like manner.
    • Dependability… We ensure that your solar system meets the highest standards for dependability and quality. Our systems come with a 2-year complete system warranty and a 25-year manufacturer warranty on the solar modules.
    • We “Practice what We Promote”… Sunbelt Solar Energy strongly believes in the use of clean renewable energy. Even the owner’s own residence in Sarasota has a solar energy system.
    • Qualifications… Sunbelt Solar Energy, a division of Sunbelt Electric, Inc. is a State of Florida certified electrical contracting company, licensed and insured to handle projects of any size. Lic.EC13002085
    • Affiliations… We are a member of the renewable energy industry. Here is a list of the associations we are members of: SEIA (Solar Energy Industries Assoc.), FlaSEIA (Florida Solar Energy Industries Assoc.), and FHBA (Florida Home Builders Assoc.).

    Sunbelt credit

    OUR PRODUCTS

    Sunbelt credit





    Top Credit Cards for Bad Credit In Canada 2017 – Secured – Unsecured, unsecured credit cards.#Unsecured #credit #cards

    Top Credit Cards for Bad Credit In Canada Unsecured Secured Credit Card Options

  • Unsecured credit cards
  • Unsecured credit cardsFor people with impaired or no credit history, perhaps there s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you re looking for an unsecured, guaranteed approval, or secured credit card, there s an option that s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Unsecured credit cards

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Unsecured credit cards

    Click Here To Apply

    IMPORTANT NOTICE! Peoples Trust has temporarily suspended issuing new credit cards. This is the message showing on their website:

    Peoples Card Services continually analyzes and refines its products to best meet the needs of our clients. While we work to reposition a number of existingand new products, we have decided to stop accepting new applications for the Peoples Trust Secured Card product effective July 31st, 2017.

    The Peoples Trust Secured Card program remains unchanged for existing cardholders who will continue to enjoy the same program benefits and use their card anywhere MasterCard is accepted.

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won t have to put any deposit or security against the card, and you re not required to have a bank account. It s a great alternative if you ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time use automatic payments if you can t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.





    9 Unsecured Credit Cards for – Bad Credit – (2017) – No Deposit Required, unsecured credit cards.#Unsecured #credit #cards

    9 Unsecured Credit Cards for Bad Credit (2017): No Deposit Required

    Unsecured credit cards

    Although it can often appear complex from the outside, the world of finance is actually based on a remarkably simple concept. Indeed, at its heart, finance is built on the idea that every action has a certain amount of risk and a certain amount of reward, and you always want your rewards to outweigh your risks.

    This concept can be illustrated easily by the way most institutions approach consumer lending, where consumer risk is determined based on each consumer’s credit reports and scores. In general, those consumers who represent the least amount of risk (i.e., those who have the best credit reports and highest credit scores) are easily approved for new credit and given low interest rates.

    Conversely, consumers whose low scores indicate financial risk will have a harder time finding credit. While some may benefit from opening a secured credit card by providing a cash deposit, not everyone can afford the lump sum needed for a secured card. Unsecured credit cards, on the other hand, won’t require a deposit to open, but may have higher fees and interest rates. Check out the top unsecured card providers for less-than-perfect credit below.

    First PREMIER: 3 Unsecured Cards for Poor Credit

    Headquartered in Sioux Falls, South Dakota, First PREMIER Bank is the 12th largest issuer of Mastercard credit cards in the US. First PREMIER Bank’s ancestry goes back to 1914, but the bank is known today for its range of subprime credit cards designed for those with poor or bad credit.

    All of our First PREMIER credit card picks will report your card use to the three major consumer credit bureaus, a necessary part of rebuilding your credit. Depending on your individual credit, you may be charged an annual fee for your new First PREMIER card. In this case, your fee will be charged when you open your account.





    Top Credit Cards for Bad Credit In Canada 2017 – Secured – Unsecured, bad credit card.#Bad #credit #card

    Top Credit Cards for Bad Credit In Canada Unsecured Secured Credit Card Options

  • Bad credit card
  • Bad credit cardFor people with impaired or no credit history, perhaps there s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you re looking for an unsecured, guaranteed approval, or secured credit card, there s an option that s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Bad credit card

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Bad credit card

    Click Here To Apply

    IMPORTANT NOTICE! Peoples Trust has temporarily suspended issuing new credit cards. This is the message showing on their website:

    Peoples Card Services continually analyzes and refines its products to best meet the needs of our clients. While we work to reposition a number of existingand new products, we have decided to stop accepting new applications for the Peoples Trust Secured Card product effective July 31st, 2017.

    The Peoples Trust Secured Card program remains unchanged for existing cardholders who will continue to enjoy the same program benefits and use their card anywhere MasterCard is accepted.

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won t have to put any deposit or security against the card, and you re not required to have a bank account. It s a great alternative if you ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time use automatic payments if you can t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.





    The Credit Solution Program Reviews – Legit or Scam, belks credit card.#Belks #credit #card

    Quick Sign Up

    Belks credit card

    The Credit Solution Program Reviews

    The Credit Solution Program, located at www.TheCreditSolutionProgram.com, is a program created by entrepreneur Mike Roberts to help you strengthen your credit profile and score.

    According to TheCreditSolutionProgram.com, their mission is twofold: to create an informational resource for their customers on credit, debt, and other personal finance issues, and secondly, to present that information in an entertaining manner that will keep your attention.

    The homepage of the Credit Solution Program shows you specific examples of how OK credit will cost you significantly more money in fees over a period of time than having Very Good credit will; over a lifetime they say it can add up to several hundred thousand dollars.

    Their program will help you understand the 5 factors that are used to determine your score, understand why your credit score is what it is, and how you can use your knowledge to quickly change your credit score.

    The Credit Solution Program offers you a Free Starter Kit. The kit includes: a series of 6 videos that will help you improve your credit score, a set of resources, tips and Questions Answers for each video, and the Credit Solution email newsletter.

    In order to get started with your Free Starter Kit, you must first order your free credit report, so that you know what your credit score is and have the information necessary to begin to change it.

    TheCreditSolutionProgram.com links you to FreeScore360.com to order your free credit report. However, you should be aware that most free credit report websites only offer you a report for free getting your actual score generally costs money.

    In addition, the free credit report comes with an automatic enrollment into an identity theft protection program, that you generally must cancel within the first seven days before beginning to receive monthly charges. So if you do not want the identity protection, make sure to cancel it in a timely manner.

    Related Articles

    Belks credit card





    Credit Report – Check Your Credit Rating or Score Today, free credit reporting.#Free #credit #reporting

    Free credit reportingMoneySuperMarket.com

    Primary Navigation

    Credit Reporting

    Do you know what your credit score is? Find out your credit rating and keep track of any changes to it. Not only will this improve your chances of being accepted for a credit card or loan, but you ll also be able to spot any suspicious activity on your credit file.

    Free credit reporting

    Credit Reports, Monitoring & Identity Theft Protection

      • Provider/Product name Free credit reporting

    Experian CreditExpert

    £14.99 per month

    Unlimited access to your Experian Credit Score and credit report

    Expert advice to help improve your Experian credit score

    The UK’s most trusted Credit Score (Source: ICMUnlimited survey, July 2016)

    Access to an award-winning UK Customer Contact Centre and dedicated Victim of Fraud Team

    Equifax

    £14.95 per month

    – 30 day FREE trial

    – Unlimited, easy online access to your latest Equifax Credit Report Score

    – Identity protection Be alerted if we find your details are shared on websites used by fraudsters

    – Telephone support 8am 8pm daily (except 25th 26th December)

    – Online help and dispute resolution

    Credit Angel

    £14.99 per month

    Easy to use site with unlimited FREE access to your credit score and report for 30 days

    See how your social media activity can affect your ability to gain credit

    Credit and Fraud alerts

    Tailored finance deals, savings and vouchers

    Comprehensive support from Credit Angel’s expert Customer Care Team

    Credit report

    You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

    Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

    The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

    If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

    Are you on the electoral roll?

    If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

    Are you already a borrower?

    It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

    Check your credit rating

    Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

    County Court Judgments (CCJs)

    If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

    Don t make repeated applications

    If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

    Change of circumstances

    If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

    Keep borrowing in check

    Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

    Pay on time

    Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

    Shut down credit accounts you no longer use

    If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

    Pay on time

    Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

    Other factors which can have an impact

    As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

    How our site works

    We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





    Report – definition of report by The Free Dictionary, free credit reporting.#Free #credit #reporting

    report

    report

    report

    Past participle: reported

    report

    there were no reports of casualties no se anunciaron víctimas

    he is reported to have said that parece que dijo que .

    to report sb (to sb) (for sth) denunciar a algn (a algn) (por algo)

    he reported her to the Inland Revenue for not paying her taxes la denunció a Hacienda por no pagar impuestos

    he reported for the Daily Echo for 40 years durante 40 años fue reportero del “Daily Echo”

    this is Jim Dale reporting from Chicago aquí Jim Dale (informando) desde Chicago

    when you arrive, report to the receptionist cuando llegue, preséntese en recepción

    he has to report to the police every five days tiene que personarse or presentarse en la comisaría cada cinco días

    he reports to the marketing director está bajo las órdenes del director de márketing

    who do you report to? ¿quién es tu superior or tu jefe?

    report back at six o’clock vuelva (a presentarse) a las seis

    report

    The company has published its annual report La compagnie a publié son rapport annuel.

    You can give me a full report later Vous pouvez me donner un rapport complet plus tard.

    According to the police report, he was drunk at the time Selon le rapport de police, il était ivre au moment des faits.

    a report on sth un rapport sur qch progress report

    Our correspondent has sent us this report Notre correspondant nous a envoyé ce reportage.

    I saw a news report about the strike J’ai vu un reportage d’actualité sur la grève.

    I got a good report this term J’ai eu un bon bulletin scolaire ce trimestre.

    I have nothing else to report Je n’ai rien d’autre à rapporter.

    to be reported as saying that .

    The secretary is reported as saying that he will resign On rapporte que le ministre a déclaré qu’il démissionnerait.

    it is reported that . on rapporte que .

    it is reported from Berlin that . on nous apprend de Berlin que .

    No casualties have been reported Aucune victime n’a été signalée.

    to report sth to sb signaler qch à qn

    I reported the theft to the police J’ai signalé le vol au commissariat.

    The commission is due to report in 2006 La commission doit faire son rapport en 2006.

    to report on sth faire un rapport sur qch

    This is Joan Smith, reporting from Paris Ici Joan Smith, en reportage à Paris.

    to report on sth couvrir qch

    journalists who reported on the trial les journalistes qui ont couvert le procès

    Report to reception when you arrive Présentez-vous à la réception à votre arrivée.

    You’ll be reporting to Mr Harland Vous serez placé sous la direction de M. Hartland.

    Who do you report to?

    BUT Quel est votre supérieur hiérarchique?. report card n (in school) bulletin m scolaire

    report

    report

    to submit a progress report on sth/sb fare un rapporto periodico su qc/qn

    I have heard a report that . ho sentito (dire) che.

    it is reported from Berlin that . ci è stato riferito da Berlino che.

    what have you to report? che cos’ha da riferire?

    to report one’s findings riferire sulle proprie conclusioni





    Compare mortgage, refinance, insurance, CD rates, city credit card.#City #credit #card

    We help you find and compare rates

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    2017 Bankrate, LLC All Rights Reserved.





    Security Funding Associates – Investment banking firmSecurity Funding Associates, Investment banking firm, sunbelt credit.#Sunbelt #credit

    sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Sunbelt credit

    Industry Expertise

    Sunbelt credit

    We are committed to offering our clients quality professional services in the strictest of confidence. SFA specializes exclusively in private, small to mid-market companies in the security alarm industry and related cash flow based industries.

    Our Mission

    Sunbelt credit

    The security industry is growing rapidly and we have to be alert to opportunities if we are to succeed. Our mission is to “provide superior support and financial resources to our clients so that they are enabled to succeed beyond their own expectations.”

    EQUITY+PLUS Financing

    Sunbelt credit

    EQUITY+PLUS is the new financing tool that bridges the cash you need each week with the equity creation that is the promise of tomorrow. The terms are simple, the contract processing is quick, and all of the cash flow will belong to you.





    The Credit Counseling Requirement in Bankruptcy, credit after bankruptcy.#Credit #after #bankruptcy

    The Credit Counseling Requirement in Bankruptcy

    Before you can file for Chapter 7 or Chapter 13 bankruptcy, you must consult a nonprofit credit counseling agency. The purpose of this consulta­tion is to see whether there is a feasible way to handle your debt load outside of bankruptcy, without adding to what you owe.

    To qualify for bankruptcy relief, you must show that you received credit counseling from an agency approved by the U.S Trustee’s office within the 180-day period before you file your bankruptcy. Once you complete the counseling, the agency will give you a certificate of completion that you must file no later than 15 days after your bankruptcy filing date. It will also give you a copy of any repayment plan you may have worked out with the agency. You can find out which agencies have been approved for your judicial district by visiting the Office of the U.S. Trustee’s website at www.usdoj.gov/ust; click “Credit Counseling Debtor Education” to see the list.

    The supposed purpose of credit counsel­ing is to give you an idea of whether you really need to file for bankruptcy or whether an informal repayment plan would get you back on your economic feet. Counseling is required even if it’s pretty obvious that a repayment plan isn’t feasible (that is, your debts are too high and your income is too low) or you are facing debts that you find unfair and don’t want to pay. (Credit card balances inflated by high interest rates and penalties are particularly unpopular with many filers, as are emergency room bills and deficiency judgments based on auctions of repossessed cars.)

    Bankruptcy law requires only that you parti­cipate in the counseling—not that you go along with whatever the agency proposes. Even if a repayment plan is feasible, you aren’t required to agree to it. However, if the agency does come up with a plan, you must file it along with the your bankruptcy papers.

    Counseling Costs

    Credit counseling agencies may charge a reason­able fee for their services. However, if a debtor cannot afford the fee, the counseling agency must provide services free or at reduced rates. This means that the service must offer a sliding fee scale and a waiver of fees altogether for people below a certain income level (below 150% of the poverty level for a family of equal size). The Office of the U.S. Trustee, the law enforcement agency that oversees credit counseling agencies, has indicated that a “reasonable” fee might range from free to $50, depending on the circumstances.

    Exceptions to the Counseling Requirement

    You don’t have to get counseling if the U.S. Trustee certifies that there is no appropriate agency available to you in the district where you will be filing. However, counseling can be provided by telephone or (usually) online, so it is unlikely that approved debt counseling will ever be “unavailable.”

    You can also avoid this requirement if you certify to the court’s satisfaction that:

    • You had to file for bankruptcy immediately (perhaps to stop a wage garnishment or foreclosure).
    • You were unable to obtain counseling within five days after requesting it.

    If you can prove that you didn’t receive credit counseling for these reasons, you must certify that to the court and complete the counseling within 30 days after filing (you can ask the court to extend this deadline by 15 days).

    You may also escape the credit counseling requirement if, after notice and hearing, the bankruptcy court determines that you couldn’t participate because of:

    • a physical disability that prevents you from attending counseling (this exception probably won’t apply if the counseling is available on the Internet or over the phone)
    • mental incapacity (you are unable to understand and benefit from the counseling), or
    • your active duty in a military combat zone.




    Credit Report, Credit Check – Free Credit Score, Experian, free annual credit report no credit card.#Free #annual #credit #report #no #credit #card

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    Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

    If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

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    Experian takes data security very seriously and we are always reviewing and improving our measures to keep your information safe. Experian is unaffected by the recent Equifax data breach.

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    Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

    Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

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    ‡‘Most trusted’ based on 61% of 1057 respondents, ICM Unlimited survey June 2017.

    CreditMatcher and CreditExpert are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not FCA regulated activity.

    Copyright 2017, Experian Ltd. All rights reserved.

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    Can I Rebuild My Credit After My Chapter 13 Bankruptcy, credit after bankruptcy.#Credit #after #bankruptcy

    Can I Rebuild My Credit After My Chapter 13 Bankruptcy?

    Posted December 13, 2013

    WRAL Reader Question

    I filed Chapter 13 in April of 2009 and confirmed June of 2009 and will be completed at the end of December this year. I had decent credit when I filed, no collections, repossessions or delinquent accounts. I did have a couple of late payments in my past credit history but otherwise my credit was in good shape.

    My debt to income ratio after my husband and I separated unfortunately was not in my favor and rather than deal with collections I filed. I have always rented, (been in current lease for almost 8 years) never owned a house so did not lose one in my bankruptcy.

    All of my debt was credit card based, no loan defaults. My current car is paid off. Monthly expenses include rent, insurance (car/renter), utilities, two medical bills ($150 total), IRS repayment plan ($75 a month on $1400 tax bill incurred when I changed positions in 2012 from private sector to state) and other day to day expenses.

    I check my credit report each year with the free reports and report any issues I see. When I checked last month my credit score was 520. I have worked for the same Enterprise (in different positions) since 2004 and have a very stable work history. I have 2 bank accounts, neither with a credit union, with excellent histories. The only loans I have ever had were for vehicles and those are paid off before my bankruptcy. I currently do not have any built-up savings but I am part of the Teachers Retirement system with my employer.

    My question is how long after my discharge is confirmed would I be able to possible look into purchasing a house?? I do know I will need to take steps to establish new good credit. I would like to stop renting and have a home of my own as I need 8 more years to be vested in retirement in my current position and would hope to find a house with a lower monthly payment to help with monthly expenses.

    Click here to get my free my weekday email newsletter with the latest tips and advice on how to beat debt and do better financially. Subscribe now.

    By far the biggest mistake people make after a bankruptcy is to avoid credit. Your credit score only improves when there is new good credit being reported about you. Otherwise your credit history just falls off the cliff with your bankruptcy.

    Rebuilding your credit is just stupid easy to do. Follow this guide.

    It’s not credit that should be avoided but excessive debt. Your credit score will begin to rise if you get the right type of credit, use it responsibly, never pay late, and don’t default. I have no worries or concerns my guide won’t do the trick for you.

    My bigger concern here is your statement about not having any savings. That is going to be the bigger issue in rebuilding your credit. It’s not that the savings will help your credit score but you will absolutely need to have a growing savings account that you can draw upon when you run into an unexpected situation and cash available to keep making regular payments on your new credit.

    You have no potential for a safer financial future unless you can save money each month.

    The goal needs to be to fit your lifestyle inside your income where you meet your monthly obligations and save each month.

    If you follow my guide, start rebuilding a great credit score, and build savings and a downpayment for your new home, I wold expect you to be able to get a good mortgage within a couple of years.

    If you’d like to stay posted on all the latest get out of debt news and scam alerts, subscribe to my free newsletter.





    Five Ways To Get a Free Credit Score (No Trials! ), free annual credit report no credit card.#Free #annual #credit #report #no #credit #card

    Five Ways To Get a Free Credit Score (No Trials!)

    Free annual credit report no credit cardUpdated 2017. As noted, the government requires the credit bureaus to provide you a free credit report once every 12 months from AnnualCreditReport.com. Ideally, you should check in more frequently. The services listed below provide you a free credit score updated throughout the year either daily, weekly, or monthly. Most offer additional data taken directly from your credit reports, while some even offer free daily credit monitoring or free identity protection services.

    As of OCTOBER 2017, all three major credit bureaus are covered: TransUnion, Equifax, and Experian. You do not need to already have a specific credit card. Being ad-supported, they can do so without the hassle of annoying trial membership offers, requiring credit card numbers, or having to remember to cancel anything.

    Free annual credit report no credit card

    CreditSesame.com offers a free credit score every month, based on your TransUnion credit report (VantageScore). They used Experian data in the past, but it appears that most members have been migrated over to Transunion. Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required.

    • Free daily credit monitoring. Credit Sesame also offers free daily credit monitoring of your TransUnion data, with alerts coming via e-mail, text, or smartphone app. This service tracks more than 40 different credit activities such as a balance change, address change or when a new account is opened.
    • Free identity protection and restoration services. Credit Sesame also includes $50,000 in identity theft insurance and access to identity restoration support in their free membership level.

    Free annual credit report no credit card

    CreditKarma.com offers you two free credit scores, based on your TransUnion and Equifax credit reports and updated weekly (VantageScore). Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required. The two-in-one feature is nice.

    • Free credit monitoring. Credit Karma also offers free e-mail credit monitoring alerts of your TransUnion data.

    Free annual credit report no credit card

    FreeCreditScore.com offers a free credit score every month, based on your Experian credit report (FICO 08). Score range is 300-850. They require your full Social Security Number. No trial or credit card required.

    • Free credit monitoring. They also offer free e-mail credit monitoring alerts of your Experian data.

    Free annual credit report no credit card

    WalletHub.com offers a free credit score based on your TransUnion credit report (VantageScore), updated daily. They also provide access to your full TransUnion credit report daily (although it may not be updated that often). Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required.

    Your Existing Credit Card

    I wouldn t sign up for a new credit card just for a credit score, but if you already have one, check to see if it offers a free monthly credit score as a perk:

    Some may point out that many of the scores above are not FICO scores. No, they are not FICO scores because Fair Isaac charges more money for them and these companies can t cover those costs with their advertising. However, these free credit scores can still be very useful for tracking changes and general trends in your credit history. Free credit monitoring is also a great way to track any big changes including fraudulent activity. There is value in getting an e-mail notification whenever a new account is added to my report.





    Everything You Need to Know About Bankruptcy, credit after bankruptcy.#Credit #after #bankruptcy

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    Complete the free case review and see how an experienced bankruptcy lawyer can help you!

    Are you considering bankruptcy?

    Are you considering bankruptcy? If so, you’re not alone. Every year more than 1 million Americans declare bankruptcy in order to improve their financial situation. These people use bankruptcy as a tool to prevent foreclosure of their home, stop harassment by debt collectors and get a fresh financial start.

    Credit after bankruptcy

    I’m still deciding about Bankruptcy

    If you’re trying to decide if bankruptcy is right for you, you’ve come to the right website. BankruptcyHome.com has a wealth of information about the bankruptcy process. You can learn the differences between Chapter 7 and Chapter 13 and see if either option is right for you.

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    I need help to file Bankruptcy

    If you’ve made the decision that filing bankruptcy is your best option for improving your financial situation and you are ready to find help, you can easily connect with a local bankruptcy lawyer by completing our free bankruptcy case evaluation.

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    I’m looking for support or info

    Get help from our frequently asked questions page, where we have answered other questions from people who are going through the same thing. Check out our informative bankruptcy FAQs now.

    Educate Yourself On More Topics

    Chapter 7 Articles

    Chapter 13 Articles

    Chapter 7 and Chapter 13 Bankruptcy Help

    The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

    A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

    Recent Bankruptcy Articles

    If you have equity on your house, then it is possible to use that equity in order to pay off your Chapter 13 bankruptcy at a much faster pace.

    The primary purpose of the Fair Credit Reporting Act is to ensure fairness and accuracy of credit reporting, and that the procedures followed are reasonable.

    A list of ten most common reasons people usually file for bankruptcy, including harassment from creditors and to end wage garnishments.

    According to new changes, your student loan will only be discharged if the bankruptcy court is convinced that paying back the loan would bring about undue hardships for you or the people who are dependent on you.

    Copyright © 2015 LeadRival. All rights reserved

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    ATTORNEY ADVERTISEMENT NOTICE: BankruptcyHome is a group advertisement and is not a lawyer referral service. Attorneys who appear on BankruptcyHome pay advertising fees to be included on the site. Using BankruptcyHome does not create an attorney-client relationship between yourself and an Attorney. BankruptcyHome is not a law firm and the information contained on this site is not legal advice. The attorneys listed do not in any way constitute a referral or endorsement by this website. To see the attorney in your area who is responsible for this advertisement please click here. If you live in Alabama, Florida, Missouri, New York or Wyoming, please click here for additional information

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    Home Loans for Bad Credit, FHA Mortgages – Refinancing, GovHomeLoans, bad credit mortgage.#Bad #credit #mortgage

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    Bad credit mortgage

    It takes less than 30 seconds to move toward homeownership. And it is free. Let us help you.

    Home Loans For Bad Credit

    Are you wondering how to buy a home with bad credit? Do you know how to acquire a bad credit home loan? Thanks to the fact that they are government insured, the FHA (Federal Housing Authority) and FHA backed Mortgages, allow people to get home loans with bad credit; so you buy the home you ve been wanting. These “Bad Credit Mortgages” are not as expensive as some other home loans, and their relaxed qualifications help people every day stop being renters and become homeowners.

    Most people consider owning a home at one point or another in their lives, but do not know what it takes to do so. What houses can I afford? How much is it going to cost? Do I have enough down payment? Will a bank lend to me? Perhaps you have gotten past that part and actually have gone to a bank to find you are not eligible for a home loan, but were not told why, or do not understand why. Then you re left with even more questions. Do I have bad credit? Do bad credit home loans exist? How can I get home loans for bad credit or even how to buy a home with bad credit? What is my debt to income ratio? What do I need to qualify for an FHA bad credit mortgage loan?

    At Government Home Loans, we have answers and resources for every step in the home loan process, focusing heavily on FHA loans due to the relaxed guidelines and their ability to help the first time home buyer. Our goal is to give you a timeline and a plan to get you access to home loan that is both a safe, and responsible loan that you can succeed in.

    We have highly trained loan specialists available to you, and we are committed to sharing all of our resources to get you into your own home with an FHA Mortgage. Whether you are a first time home buyer and are looking for home loans for people with bad credit, or have owned before but have been recently turned down, our specialists as well as many online resources can provide you the tools you need to attain your goals. Things have changed a lot, you can buy a home with bad credit now. Talk to one of our bad credit mortgage lenders or find the information that may help you right here on the website.





    Credit Building Credit Cards – See The Best & Latest Deals, credit checker.#Credit #checker

    Compare credit builder credit cards

    We’ll show you cards likely to say YES

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    Credit builder credit card

    Build up your credit rating with one of our selection of credit cards for people looking to improve their credit rating or take out their first card. Compare cards with the best deals on purchases, the lowest standard rates and the best cashback or rewards offers.

    If you have had problems with debt in the past, it is likely that your credit score will have been damaged. A low credit rating affects your ability to borrow and obtain competitive deals on credit cards, with lenders being wary of anyone with a less than perfect history.

    However, there are other things that can affect your credit score too, such as having little or no history of borrowing. It might seem strange that you could never have had a problem with debt and still have difficulties getting credit, but if you’ve never borrowed providers have no indication of whether or not you are a responsible borrower and so steer clear of lending to you or giving you a credit facility.

    Whatever your reason is for a having bad credit, it doesn’t need to be permanent. It is possible to repair your score, and one of the ways to do this is by getting a credit builder credit card.

    What are credit builder credit cards and what advantages do they offer?

    A credit builder credit card is a type of card available to those not likely to be accepted for more mainstream deals.

    They are beneficial as they give you access to credit but, providing you make repayments on time every month, you can, over time, prove you can manage money responsibly.

    The downside to these cards is that they have very high rates of interest which reflects the risk that providers are taking. However, as long as you ensure you clear your balance every month, you won’t have to pay a penny in interest.

    The other downside is that they are also likely to have relatively low credit limits. But once you have re-built your score you should be able to qualify for better deals.

    If you do have a low credit score, don’t be tempted to try to apply for one of the more competitive deals. Every time you get rejected, it further damages your score, meaning it will take even longer to get back on your financial feet.

    If you are not sure what cards you are likely to qualify for, using MoneySupermarket’s Smart Search tool will give you an idea of the cards you may be accepted for. Alternatively, you might wish to apply for your credit report which will allow you to see in detail what your score is and monitor it on a regular basis.

    But credit cards are not the only option for those looking to restore their credit score. Some prepaid cards, which require you to load up cash on them before you spend, also offer a bolt-on Creditbuilder facility. This is where the card provider effectively ‘lends’ you a year’s worth of monthly card fees upfront. The loan itself is interest-free but you will be expected to pay it back over the course of 12 months. Details of how reliable you are with your payments will be passed to credit reference agencies and, if it’s positive, could help boost your credit score. This means you can help yourself without risking getting into debt or paying any expensive interest.

    Comparing credit builder cards

    Using MoneySupermarket will allow you to compare credit builder cards and find the best deal for you.

    Different cards will come with different rates of interest and some will even come with added benefits, such as the ability to earn rewards. MoneySupermarket’s credit builder card channel will allow you to browse and weigh up which one could be the best deal for you.

    It’s imperative, though, that once you have chosen a card and been accepted, you use it to your advantage. Defaulting on payments will result in you paying hefty rates of interest and getting caught in a debt cycle again – not to mention further damaging your score.

    The bottom line is that, if you want to be eligible for competitive deals in the future, having a good credit score is imperative.

    We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

    Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.





    The credit score rating scale; range – The Credit Scoring Site, credit scores range.#Credit #scores #range

    The credit score scale

    Curious. But the big question is: Wouldn’t it be easier to just start at zero?

    Somebody, please, help these experts. The consumer can’t take much more expertise and help.

    What is the FICO credit score scale?

    The FICO credit score scale is 300 to 850. So, the range is 550 (850 minus 300).

    And, here come conflicting statements from the FICO credit score company, itself. On July 22, 1999, at the Federal Trade Commission’s “Public Forum : The Consumer and Credit Scoring” a Fair Isaac representative entered the following into the records:

    Well, there are many different credit scoring systems. In the Fair, Isaac credit bureau systems, which is probably what you’ve got in mind, the range is from somewhere in the low 300’s to something close to 900. Again, you don’t see many 900’s. You don’t see many 325’s.

    Today, according to Fair Isaac, you don’t see any 900s.

    Here’s Fair Isaac, again, on June 22, 2000 in an online chat “Color of Money Live With Michelle Singletary – Credit Scoring with Craig Watts of Fair, Isaac and Company, Inc.“:

    FICO scores range from the 300s to the 900s, with scores at either end being very rare.

    Not an insignificant event. That’s when we found out that “close to 900” meant over 900, too. Imagine the time wasted by the 850s who thought they could get to 900. And these have to be some of the smartest people in America, whiling away their hours worrying about a ghost when they should have been solving big problems, creating a better world.

    Consumers’ understanding of credit scores

    Fair Isaac loves statistics. It’s a statistics company, so there’s nothing weird about that. Here’s one: “49% do not understand that credit scores measure credit risk.”

    But the company’s 2004 booklet “Understanding Your Credit Score” states, “FICO scores range from about 300 to 850.”

    About 300? Is it 300 or not? This isn’t just some ranting boob with a web site going off half-cocked, this is the company that created the score.

    No wonder 49% don’t get it.

    The FICO score distribution chart doesn’t list an 800-850 category. It’s “800+.” And that segment is more crowded than it was before. Now, 13% have scores of 800 or more, up from 11%. You’re not so special, anymore.

    The FICO score medallion

    So, maybe things in the fancy secret algorithm changed. Or, maybe they just decided to lop off the tails of the distribution to stop the madness. Fair Isaac’s public response (or, perhaps, the new-and-improved, Fair Isaac ad agency’s response) to all this was to create an icon that says it, once and for all: “300-850.”

    It looks like a cross between a gold embossed foil seal on your diploma, a foot race medal, and the Good Housekeeping Seal.

    300 to 850? In this system of winners and losers, why can’t you get a score higher than 850? What if everybody gets an 850? Does that mean there is almost no risk? Do they bring back the 900s? Will the American consumer become the best investment in the world, dragging rates to even lower all-time lows?

    Proclamations of the FICO score scale

    At the risk of creating more confusion, these quotes are submitted for your amusement. This stuff is dry enough.





    Best Credit Cards for Airport Lounge Access, premium credit cards.#Premium #credit #cards

    Best credit cards for airport lounge access from our partners

    Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

    Premium credit cards

    Sitting and waiting at a bustling, noisy gate just adds insult to the injury of learning your flight has been delayed. It’s moments like this that the longing for the oasis of a quiet retreat set apart from the hubbub of the general airport rises in your mind like a mirage in the middle of a desert. It’s then you start wondering about how to get into airport lounges.

    Airport lounge services and amenities vary wildly among operators and locations. Many, if not most, provide free drinks and snacks, and all offer a chance to unwind in relative peace while you wait for your flight. Most airlines charge $500 or more per year for a single adult club membership, dropping prices for elite status flyers. Another option for access is through membership in Priority Pass or SkyGuide Executive Privilege Club, which offer discounted daily access to most airport lounges.

    Before you spend too much time wondering whether the cost of a membership is worth it, check your wallet. Your credit card just might be able to help you out.

    A handful of credit cards offer free airport lounge access bundled into their featured benefits. Before you jump to apply for one of those cards, keep in mind that signing up for a credit card with airport lounge access may not make the most financial sense for you unless you travel with colleagues or family members more than five times per year since many of these cards do come with hefty annual fees. If that isn’t you, you might get more value from purchasing airport lounge day passes or independent membership programs, and then signing up for a credit card with a lower annual fee and featuring rewards and perks you’re likely to use often.

    If you are looking for a travel credit card with lounge access, look no further. We tracked down the best credit cards that offer airport club access, all for less money than the cost of joining a single club on your own when you consider the multiple other benefits and perks offered by these cards.

    Mastercard Black Card

    Unlimited VIP airport lounge visits paired with other members-only benefits are sure to appeal to big spenders who won’t mind paying the annual fee.

    If you’ve grown weary of the standard breakable, bendable plastic and are wondering what it would be like to carry a card made of stainless steel, wonder no more. The Mastercard Black Card offers “durability and distinction” in a credit card that also nets you some luxurious perks. Recent changes to the card’s benefits (including a change from Visa to Mastercard) and a strong introductory APR balance transfer offer (15 billing cycles at 0 percent APR for transfers made within the first 45 days of account opening) have made this card an attractive alternative to elite airline credit cards.

    This card’s $495 annual fee costs about a hundred dollars more than if you purchased one of Priority Pass’ “prestige” membership packages; however, you can still make this card pay for itself by taking advantage of its rewards program where you can redeem points for 1.5 percent value on cash back in the form of an account credit OR (and this is a big one) 2 percent value when redeemed for airfare, which makes 50,000 points worth a $1,000 ticket. You’re also eligible for up to $100 annually in statement credit to cover airline-related charges like tickets and baggage fees. That’s in addition to the $100 credit you can receive to cover the cost of your Global Entry application fee once every five years. Plus, the card’s 24/7 concierge service is a must for the frequent traveler as is the all-important access to nearly 500 airport lounges in cities around the world. Keep in mind, that applying for multiple credit cards for which you are unlikely to qualify will hurt your credit, so make sure your financial situation is a good fit for the card before you apply. The best credit cards for high credit scores typically have requirements beyond a score threshold.

    The Platinum Card from American Express

    The Platinum Card from American Express is a well-rounded credit card that has benefits starting from the airport and continuing while you’re in the air and upon landing at your desired destination.





    Credit Cards, Arkansas Federal Credit Union, credit cards comparison.#Credit #cards #comparison

    Credit Cards

    Platinum VISA Classic

    Credit cards comparison

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    Consolidate your debt for less with AFCU and enjoy one of the lowest everyday rates in the country!

    Whether you prefer to call, click or visit in person, we make your application process simple.

    Call 800-456-3000 to speak to one of our credit card specialists or

    To activate your new AFCU Credit Card call 800-527-7728.

    * No annual fee, no balance transfer fee, and no over the limit fee. Foreign transaction fee = 1% of each transaction in US Dollars. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Interest on Cash Advances and Overdraft transfers will be charged on the balance from the date of transaction. Currently the standard variable APR is 7.00%-18.00%. Offer subject to change without notice and may end at any time.

    3. Comparison based on creditcard.com on 07-07-17. APR = Annual Percentage Rate. Offer valid only on new VISA Classic Credit Card accounts. Subject to credit approval. No annual fee, no balance transfer fee, and no over the limit fee. Foreign transaction fee = 1% of each transaction in US Dollars. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Interest on Cash Advances and Overdraft transfers will be charged on the balance from the date of transaction. Currently the standard variable APR is 7.00%-18.00%. Offer subject to change without notice and may end at any time.

    Visa Signature

    Credit cards comparison

    Our VISA Signature Credit Card is perfect for those who want to get the most out of life. It features an EMV chip for added security and points that never expire.

    • No Annual Fee
    • Rewards redeemable for cash (1.5%)
    • VISA Alerts to help detect fraud
    • No foreign transaction fee
    • $0 Fraud Liability
    • Personal identity theft protection
    • Travel perks including: Lost Luggage, Trip Delay, Trip Cancellation, Hotel Theft

    VISA Signature Concierge Service

    When you need help, it’s easy to turn to your VISA Signature Concierge Service for a variety of lifestyle benefits, including:

    • Tickets to top sports and entertainment events
    • Dinner reservations
    • Travel reservations

    Your concierge is here to help 24/7, contact them anytime at 800-953-7392 or click here.

    Whether you prefer to call, click or visit in person, we make your application process simple.

    Call 800-456-3000 to speak to one of our credit card specialists or

    To activate your new AFCU Credit Card call 800-527-7728.

    *No annual fee, no balance transfer fee, no foreign transaction fee, and no over the limit fee. Cash advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Late payment fee up to $35. Interest on cash advances and overdraft transfers will be charged at the member’s standard APR on the balance from the date of transaction. Currently the standard variable APR is 11.99% – 18.00%. Offer subject to change without notice and may end at any time.

    Visa Business Credit Card

    Credit cards comparison

    The AFCU Visa Business Credit Card allows your business the flexibility of a revolving line of credit.

    • Rates from 9.25% to 14.00%
    • Balance Transfer Fee – $0
    • Annual Fee – $0
    • Cash Advance Fee – 5% of transfer amount
    • Overdraft Protection – $3 per transfer
    • Minimum Payment – 2% of statement balance
    • Foreign Transaction Fee – 1%
    • Free Transaction Alerts
    • Visa $0 Fraud Liability

    EMV Credit Debit Cards

    An EMV-enabled card is the global standard for cards equipped with computer chips, which help secure debit cards against fraud. EMV stands for Europay, MasterCard, Visa, the three companies that began the technology. EMV cards have a chip on them, which stores data and allows for greater security.

    Along with the enhanced security and convenience of the EMV Chip, all of our cards have been redesigned. Current debit and credit cards with a magnetic stripe on the back will continue to work through this transition period. As new EMV cards are activated, the magnetic stripe on the current cards members carry will be deactivated. The new EMV cards will have both an EMV chip and a magnetic stripe.

    The new cards will be reissued as they expire. Cards reissued as they expire will keep the same card number. Members who wish to receive a new EMV chip card before their current card expires can call or visit their local service center to request a new card. The un-expired requested cards will have a new card number. It will take up to two weeks for a member to receive the requested card.

    Below are the benefits and steps for using these cards:

    • Embedded microchip allows for more secure transactions
    • Use at both chip enabled and traditional merchant terminals
    • Accepted in 130+ countries, making traveling internationally hassle free
    • Covered by $0 fraud liability, protecting you against unauthorized purchases




    CreditDonkey, a review of the best financial products, credit card comparison.#Credit #card #comparison

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    CreditDonkey is a credit card comparison and financial education website. We publish deals and financial tips to give you the information you need to make savvy financial decisions. Our free online service is made possible through financial relationships with credit card issuers and some of the products mentioned on this site. We receive compensation if you apply and get approved for a card through links in our content. Advertiser Disclosure

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    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money make savvy financial decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *See the card issuer’s online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the “Apply Now” button you can review the terms and conditions on the card issuer’s website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.





    Get Your Free Credit Score, Experian, credit score ratings.#Credit #score #ratings

    Your free forever Experian Credit Score

    What is a credit score?

    Credit score ratings

    A credit score is a number that reflects the likelihood of you paying credit back. Lenders like banks and credit card companies will look at your credit history when they calculate your credit score, which will show them the level of risk in lending to you. The higher your credit score, the more chance of being accepted for credit, at the best rates.

    Your credit score influences your chances of getting:

    • Credit cards, loans and mortgages
    • Car financing**
    • Gas electricity monthly payments
    • Mobile phone contracts
    • Insurance monthly payments
    • Property rentals

    How does a credit score work?

    Whenever you apply for credit, the lender will check your borrowing history and how you typically repay money you’ve borrowed. This happens when you apply for credit such as a loan, credit card, mortgage, car finance… even a mobile phone contract.

    They’ll look at your credit history which is based on your credit report and will show things like if you have a mortgage, how much you owe on credit cards and if you’ve missed payments in the past.

    Credit score ratings

    This is combined with the other information you fill in on the credit application form, and past information they’ve got on you (for example, if you’re an existing customer) the lender will then decide if they’d like to lend you money.

    Each lender uses a slightly different lending criteria, so make sure you look around for a deal that you’re more likely to be accepted for as well as being best suited to you and your credit history.

    What is the FREE Experian Credit Score?

    The Experian Credit Score runs from 0-999 and is based on the information in your Experian Credit Report. The higher your score, the greater the chance you have of getting the best credit deals.

    We believe that your Experian Credit Score is the only score that matters, and it should be free forever. We’re able to provide your Experian Credit Score for free because we receive commission from some lenders and brokers when you choose them from our search results on CreditMatcher, and click through to their site or make an application. This works in the same way as most of the insurance and utility comparison sites you’re probably familiar with.

    Your FREE Experian Credit Score is updated every 30 days if you login. The Experian Credit Score categories are shown below:

    What does your Experian Credit Score mean for you?

    You should get the best credit cards, loans and mortgages (but there are no guarantees).

    You should get most credit cards, loans and mortgages but the very best deals may reject you.

    You might get OK interest rates but your credit limits may not be very high.

    You might be accepted for credit cards, loans and mortgages but they may have higher interest rates.

    You’re more likely to be rejected for most credit cards, loans and mortgages that are available.

    What does the Experian Credit Score tell me?