Monthly Archive: July 2018

California Housing Finance Agency, CalHFA, how can i apply for a credit card.#How #can #i #apply #for #a #credit #card

CalHFA supports the needs of renters and homebuyers

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  • How can i apply for a credit card
  • How can i apply for a credit card
  • How can i apply for a credit card
  • How can i apply for a credit card
  • How can i apply for a credit card
  • How can i apply for a credit card

Homebuyers

How can i apply for a credit card

How can i apply for a credit card

CalHFA Homeowners

How can i apply for a credit card

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Lenders/Realtors

How can i apply for a credit card

How can i apply for a credit card

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Multifamily Developers/Managers

How can i apply for a credit card

How can i apply for a credit card

What’s New at CalHFA

  • Program Bulletin #2017-13 – Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program
  • Press Release 2017-11-09 – CalHFA Launches New Path to Homeownership for Service Members and Veterans
  • Video – Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades
  • Press Release 2017-10-03 – CalHFA Increases Access to Manufactured Home Loans
  • Program Bulletin #2017-12 – Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage
  • Program Bulletin #2017-11 – CalHFA Launches New CalHFA VA Loan Program
  • Press Release 2017-09-14 – Michael Carroll is CalHFA s New Director of Multifamily Programs
  • Program Bulletin #2017-10 – Updated Sales Price Limits
  • Program Bulletin #2017-09 – Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
  • Program Bulletin #2017-08 – Updates to Manufactured Housing Guidelines for All CalHFA FHA Loan Programs
  • Press Release 2017-07-11 – CalHFA Helps Hundreds with Free Homebuyer Education
  • Program Bulletin #2017-07 – Escrow Holdbacks Allowed and Name Change for the Notice of Conditional Approval
  • Get to know CalHFA and our programs by viewing our Video Library.
  • Enews announcements can be found on our Archived Page.

Hardship Foreclosure Assistance

  • Keep Your Home California programs are designed for homeowners who are struggling to pay their mortgages.

How can i apply for a credit card

  • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

Other Information

  • How can i apply for a credit cardThe California Victims Compensation Board is available to help California victims of the October 1 shooting in Las Vegas. If you’ve lost a family member, been injured or attended the Route 91 Harvest Festival where this terrible tragedy occurred on Sunday night, CalVCB can provide financial assistance. Visit the California Victims Compensation Board website and news release for more information.
  • Public Notice: Environmental Assessment For Whittier Downey SE Apartments (300 MB)
  • Public Notice: Environmental Assessment For North San Pedro Studios
  • Public Notice: 2017 Mortgage Credit Certificate Program
  • Veterans Housing and Homelessness Prevention Program (VHHP)
  • 2014 California Affordable Housing Cost Study
  • Language Access Complaint Form /Formulario de queja de acceso por idioma

How can i apply for a credit cardHow can i apply for a credit card

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Mint: Money Manager, Bills, Credit Score & Budgeting, how to get your credit score free.#How #to #get #your #credit #score #free

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

How to get your credit score free

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

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Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

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It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

How to get your credit score free

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

How to get your credit score free

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

How to get your credit score free

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

Budget? You betcha

Easily create budgets, and see our suggestions based on your spending.

How to get your credit score free

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

How to get your credit score free

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

How to get your credit score free

Effortlessly stay on top of bills

At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

  • See bills and money in one place.
  • Get alerts and schedule payments on the spot.
  • Say goodbye to late fees.
  • Stop logging into multiple sites.
  • Deliver payments fast.

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Personalized for you

  • Create budgets that make sense today and set you up for success tomorrow.
  • See bills and money together, so you know what’s due, when it’s due and what you can pay.
  • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
  • Get your free credit score and learn how you can improve it now to get the things you want later.

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Get started simply securely

  • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
  • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
  • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

How to get your credit score free

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

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Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

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Money on the go

Phone tablet apps to manage your money from wherever you are.

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One step at a time

Get personalized tips and advice for maximizing your money every day.





Pay Taxes by Credit or Debit Card, Internal Revenue Service, credit report companies.#Credit #report #companies

Pay Your Taxes by Debit or Credit Card

You can pay by internet, phone, or mobile device whether you e-file, paper file or are responding to a bill or notice. It’s safe and secure – the IRS uses standard service providers and business/commercial card networks, and your information is used solely to process your payment.

  • Your payment will be processed by a payment processor who will charge a processing fee.
  • The fees vary by service provider and may be tax deductible.
  • No part of the service fee goes to the IRS.
  • Your information is used solely to process your payment.

(WorldPay US, Inc.)

855-508-0159 Live Operator

1-615-942-1141 Live Operator

Credit report companies

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Minimum fee $2.69

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See debit or credit card fees

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1-501-748-8507 Live Operator

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Minimum fee $2.59

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See debit or credit card fees

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877-754-4420 Live Operator

($3.95 flat fee for

payments over $1,000)

Credit report companies

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Minimum fee $2.50

Credit report companies

Credit report companies

Credit report companies

Credit report companies

See debit or credit card fees

Credit report companies

Paying with your Debit or Credit Card? Understand that:

  • Fees differ from those in the table above when you choose the integrated IRS e-file and e-pay option. View your options.
  • Not all IRS tax forms are eligible for payment by credit or debit card, and there are limits on how often you can make individual and business payments. Visit the frequency limit table by type of tax payment for details.
  • High balance payments of $100,000+ may require coordination with your provider.
  • You usually can’t cancel payments.
  • You can’t make Federal Tax Deposits.
  • You can’t get an immediate release of a Federal Tax Lien. Refer to Publication 1468, Guidelines for Processing Notice of Federal Tax Lien Documents, for payment options.
  • This form of payment eliminates your need for a voucher.
  • Your card statement will list this payment as “United States Treasury Tax Payment.” The convenience fee paid to your provider will be listed as “Tax Payment Convenience Fee” or something similar.
    • The fee is deductible for personal tax types as a miscellaneous itemized deduction. However, only those miscellaneous expenses that exceed 2 percent of the adjusted gross income can be deducted. For more information, refer to Publication 529, Miscellaneous Deductions.
    • For business tax types, the fee is a deductible business expense.
  • If you overpaid, IRS will refund it after the return is processed, excepting offsets or debt on your account.

For more information on other electronic payment options, please visit the Payments Home Page.





Find the best credit card deals and providers – Which, credit card finder.#Credit #card #finder

Credit cards: Which? Money Compare

Whether you re looking for balance transfer deals, credit cards for bad credit or cards that let you make interest-free purchases, we can help.

Credit card finder

Credit card finder

Credit card finder

How we find you the best deals

We know that you worry about not being able to see all available options on any one price comparison site, and feel you have to visit several to get the complete picture. And, even once you have found a great deal, it s difficult to know what kind of service you ll get from the provider you ultimately choose.

The Which? Money Compare credit card comparison tables have been created to give you a transparent and impartial way to compare all the best credit card deals from all providers in one place. This is complemented by Which? s unique customer satisfaction ratings, which tell you how thousands of people rate the quality of the service you ll get from a credit card provider.

Which? a name you can trust

With more than 50 years experience providing independent expert advice to consumers, you can rest assured that our credit card information and advice is 100% unbiased and from an organisation you can trust.

How we get paid

Which? Money Compare is the trading name of Which? Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. Which? Financial Services Limited is a wholly-owned subsidiary of the Consumers Association (a registered charity) and is authorised and regulated by the Financial Conduct Authority (FRN 527029).

We don t carry advertising and we don t allow providers to pay to optimise their search results. Our tables are updated three times a day. The data service is provided by Runpath (Runpath Group Limited, a registered company in England Wales, Company Reg No: 07406032 Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG), together with the Which? Customer score. This score is based on research carried out by the Which? Money editorial team and reflects the quality of service you’ll get from the provider you choose. Runpath has no influence on these ratings.

Runpath receives a commission from some of the brokers and providers listed on the Money Compare Site. A proportion of this commission is then repaid to the Which? Group. This is to cover the cost of running our comparison tables and goes towards the work we do campaigning on behalf of all consumers.

If you do wish to complain about Money Compare, please download our Which? Financial Services Complaints Procedure.





Credit Report, Credit Check – Free Credit Score, Experian, how to get your credit report for free.#How #to #get #your #credit #report #for #free

Your Experian Credit Score.

Your Experian Credit Score , updates available every 30 days

How to get your credit report for free

Credit Cards

How to get your credit report for free

Loans

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Your chances

of approval †вЂ

No card details needed if we can easily verify you

If you would like a copy of your ВЈ2 statutory credit report order here

We work with the UK s leading credit providers

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We can help you take the guesswork out of applying for Credit Cards Loans

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Get your FREE Experian Credit Score

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Compare Credit Cards, Loans Mortgages

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Find out how likely you are to be accepted †вЂ

Or if you would like to understand the factors affecting your credit score, get access to your Experian Credit Report more, you can do this with a 30-day trial* of CreditExpert.

How to get your credit report for free

  • Receive personalised tips on how to improve your Experian Credit Score
  • Gain unlimited access to your Experian Credit Report
  • Use our UK-based call centre if you need guidance or have any concerns about your report, score or fraud
  • Use our web monitoring tool credit report alerts to protect your online identity from fraud
  • Receive support from a dedicated caseworker if you are a victim of fraud

How your Experian Credit Report Score can help you

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.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

Your personal details are in good hands

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.

We have lots of resources to help you look after your personal details – here’s information on protecting yourself and spotting the warning signs of identity fraud.

How to get your credit report for free

How to get your credit report for free How to get your credit report for free How to get your credit report for free How to get your credit report for free

*A monthly fee of ВЈ14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. New customers only. Free trial period starts on registration – further ID verification may be required to access full service which may take up to 5 days.

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.

Eligibility Ratings are available for credit cards and personal loans only.

‡‘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.

How to get your credit report for free





DSST, Get College Credit, get a credit card.#Get #a #credit #card

DSST | Get College Credit

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Offer Ends November 30, 2017

Take a Life Sciences Exam For $65 (save $15)!

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New Testing Locations

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Support Military Students

Become a DANTES Fully Funded Test Center

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Is your test center ready for TCNET?

Browse our 30+ exam titles, available in a variety of subjects:

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Humanities

Physical Science

Social Sciences

Technology

Get the DSST Mobile App!

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Thomas Edison State University is a DSST credit-awarding and delivering institution offering flexible learning options to adult students.

  • Finding the Right DSST Exam for You. Continue reading.
  • YouTube. The Ultimate Learning Hack. Continue reading.
  • Is DSST for Me. Continue reading.
  • Behind the Credits: Finance.. Continue reading.
  • The key to acing that career fair? SOAP. Continue reading.

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Students who participate in Prior Learning Assessment (such as DSST exams) are more likely to graduate. And graduate faster!

  • CAEL & Lumina Foundation for Education Survey

It is a great time-saver in that students may be able to enroll in advanced classes, rather than entry classes, and therefore they may graduate sooner.

Manager of Assessment and Testing, Bluegrass Community and Technical College

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2017 DSST. All Rights Reserved. DSST is a registered trademark of Prometric. www.prometric.com

2017 Prometric. All rights reserved. Republication or redistribution of Prometric content, including by framing or similar means, is prohibited without the prior written consent of Prometric.

‘Prometric’ and the Prometric logo are registered trademarks and trademarks of Prometric and its affiliated companies.





Credit Report – Check Your Credit Rating or Score Today, the three credit reporting agencies.#The #three #credit #reporting #agencies

The three credit reporting agenciesMoneySuperMarket.com

Primary Navigation

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.

The three credit reporting agencies

Credit Reports, Monitoring & Identity Theft Protection

    • Provider/Product name The three credit reporting agencies

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.





Credit Report Engine for Experian, Equifax, TransUnion, instant credit report.#Instant #credit #report

instant credit report

Instant credit report

Instant credit report

Instant credit report

The Merit Credit engine is a powerful credit report server and toolkit that makes it possible for your Internet or in-house business system to integrate credit report data from any or all of the three national credit bureaus: Equifax, Experian, and Trans Union.

Instant credit reportThe MCE credit report tools make it practical to map inquiries and results to your own user interface. You can implement custom credit scoring and routing with the raw bureau data, and store credit data in a way that makes it possible to analyze and refine scoring algorithms. You can centralize credit retrieval and decision automation to cut costs and simplify administration.

The MERit Credit Engine at a glance.

  • VantageScore SM enabled.
  • Instant credit reportAccess Experian NetConnect, Equifax STS 6.0, Trans Union Net Access (TUNA 2) and CorelogicCREDCO.
  • 3-bureau merged reports.
  • FACT Act compliant.
  • MLA Support – US Department of Defense database lookup.
  • Support for Risk Based Pricing consumer disclosures
  • No per-report transaction charges
  • XML credit reports (MISMO and HR-XML)
  • US, Puerto Rico, Equifax Canada and TransUnion Canada
  • Integrates with your user interface.
  • Credit reports, scores, and other credit data.
  • Internet, leased-line, direct, and dialup connectivity to Equifax, Experian, TransUnion.
  • Microsoft SQL Server, IBM DB2 programming API.
  • OEM edition acts as a credit report module within software products.
  • Instant credit reportBy Merit Credit Systems, the leading provider of system to system credit bureau interface software.

Quickly implement credit report access with our credit report API using any programming language and Microsoft SQL Server.

Instant credit report





Watch, listen, and discover with Canada – s Public Broadcaster, instant credit report.#Instant #credit #report

Welcome to CBC.CA

The Great War: an entire generation annihilated

Dragons Den: That s a ridiculous deal

A French teen finds the remains of 8 Canadian WWI soldiers in his backyard

The story of Canada s First World War all-black military battalion

CBC News

Hundreds of thousands take to Barcelona streets demanding release of Catalan leaders

George Takei, Richard Dreyfuss the latest in Hollywood to be accused of sexual misconduct

Remembrance Day 2017 in Ottawa — as you saw it

Canadians here and abroad pay tribute to fallen at Remembrance Day ceremonies

More from CBC

U of T profs alarmed by Jordan Peterson s plan to target classes he calls indoctrination cults

Moose are one of the last animals you d expect to see swimming for their supper

Do you know what a feminist is? Meet dads who are talking to their sons about harassment

WWI vet returns to Belgium 40 years later to dig up buried rum

The secrets of Canada s super scalper

CFL playoffs: How the division semifinals will play out

These stories are true : Louis C.K. issues statement about allegations

Rick s Rant: Phoenix Pay System – We re not talking about colonizing Mars here

Contact CBC

Audience Relations, CBC

P.O. Box 500 Station A

Toll-free (Canada only):

Services Info

Accessibility

It is a priority for CBC to create a website that is accessible to all Canadians including people with visual, hearing, motor and cognitive challenges.

Closed captioning is available for many CBC-TV shows offered online.

For air times of CBC-TV shows with described video, visit Accessible Media Inc. s Described Video TV Guide . (Described video is not currently available online.)





Search for quality: on credit rating agencies – The Hindu, credit rating agencies.#Credit #rating #agencies

Search for quality: on credit rating agencies

Search for quality: on credit rating agencies

SEBI’s proposed rules may not necessarily improve the quality of credit rating services

Credit rating agencies may be in for a tough ride as the Securities and Exchange Board of India continues to tighten the screws on them. The market regulator has released a consultation paper seeking feedback on a new set of rules drafted to improve “market efficiency” and enhance “the governance, accountability and functioning of credit rating agencies”. Among them are provisions to restrict cross-shareholding between rating agencies without regulatory approval to 10%, and increase the minimum net worth requirement for existing and new agencies from ₹5 crore to ₹50 crore. Another mandates at least five years’ experience for promoters of rating agencies. SEBI has proposed disclosure norms to improve investor awareness about the operations of rating agencies. The spin-off of non-core operations of rating agencies will allow SEBI to focus on regulating just their credit rating operations. SEBI has spelt out its rationale for proposing each of the rules. SEBI’s predominant concern, apart from improving the information available to investors, seems to be to prevent rating agencies from resorting to collusion in reaching decisions. This effort is in line with SEBI’s crackdown on the agencies after the default in 2015 of a highly-rated debt issued by Amtek Auto.

Credit rating agencies

SEBI tightens P-Note rules

The new rules, if they come into force, may not have any substantial impact on the quality of credit rating in India. Prima facie, the intended effects of the rules sound convincing. What is unclear are their unintended effects on competition in the rating space. Also, how the rules will address the problem of “rating shopping” that plagues the business of credit rating in the country is unknown. The present business model of rating agencies is seen to allow considerable room for issuers of securities to shop for a favourable rating or avoid negative ratings by severing their ties with these agencies. Prudential regulation is thus justified to tackle this problem. This criticism, however, ignores the reputational damage these agencies suffer after each corporate default. Repeated failures have not affected the business of rating agencies, primarily due to the lack of alternative service providers who can help out investors. Individual creditors have thus had to trust the ratings of the existing rating agencies at their own peril, even after repeated crises. As is well-known today, the Indian credit rating market is an oligopolistic one due to the high barriers to entry. SEBI’s proposed move to impose further quality requirements on rating agencies is unlikely to change things for the better, or raise further barriers. The way forward lies in making it easier for new players to enter the credit rating space and compete against incumbents. This will go a long way towards making credit rating agencies actually serve creditors rather than borrowers.





Who Are the Three Major Credit Bureaus, 3 credit bureaus.#3 #credit #bureaus

Who Are the Three Major Credit Bureaus?

3 credit bureaus

Credit bureaus, also called credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report.

There are many credit bureaus in the United States, but most people are familiar with the big three: Equifax, Experian, and TransUnion. These bureaus are all publicly-traded, for-profit companies who are not owned by the government.

The government does, however, have legislation, the Fair Credit Reporting Act, regarding how these and other credit bureaus should operate.

Credit bureaus have business relationships with many banks, credit card issuers, and other businesses that you may have an account with. Because of this connection, your account history will appear on one or all three of your credit reports with these bureaus.

You have a right to view your credit report and you can order a free credit report from each of the three major credit bureaus each year through AnnualCreditReport.com. You can also purchase a credit report directly from any of the credit bureaus at any time. Two of the credit bureaus, Equifax and Experian, offer 3-bureau credit reports which include all three major credit reports in a single document.

You may also need to contact a credit bureau directly to dispute inaccurate information in your credit report, purchase a credit score, or to place a fraud alert or security freeze on your credit report.

Otherwise, you generally wouldn t interact with a credit bureau, even though they play a major role in your financial life.

Contact Information For the Three Credit Bureaus

Atlanta, GA 30374-0241

Allen, TX 75013-0949

Chester, PA 19022

What the Three Bureaus Do and Don t Do

The major credit bureaus receive credit-related information from companies that you do business with. They may also pull relevant public records, like tax lien or bankruptcy, and include that information in your credit report.

The major credit bureaus sell your credit information to businesses who have a legally valid need for viewing your credit information. Your information is also sold to companies who may prescreen you for their products and services. For example, a company who you ve applied for credit with would have a valid need for looking at your credit report.

The major credit bureaus only provide the information or other analytical tools to help businesses make decisions about which customers to accept and the price they should charge. The bureaus themselves do not make the decision.

Credit Bureau Differences

These three credit bureaus, like all other credit bureaus, are separate entities and operate independently of each other. They generally do not share your account information with each other.

Your creditors may report to all three of the major credit bureaus or just one of them.

Because of that, the information in your credit file may be different between the three credit bureaus.

When potential creditors and lenders check your credit, they may only pull one bureau s credit report, rather than viewing all three. (It s often less expensive for businesses to check just one credit report.)

Because your credit reports may be different from each other, it s important that you review your reports from all three bureaus.

FICO Is Not a Credit Bureau

FICO is another major company in the credit industry. FICO developed and maintains the FICO credit score, but it is not a credit bureau. While they compile your credit score based on data from the major credit bureaus, they do not collect credit report data on their own.





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The Little Fisherman

Written by noted author Margaret Wise Brown and illustrated by the legendary Dahlov Ipcar, this story features a charming main character s simple and imaginative day spent catching fish, in comparison and contrast to a big fisherman’s day at sea. Children will love the size differences throughout the book, of both the fishermen and their boats, especially when the imaginative sizes are set against the riveting and realistic fishing scenes.

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Scattering the Seeds of Knowledge

The Words and Works of Indiana s Pioneer County Extension Agents

This title chronicles the tales of Indiana s first county Extension agents, from 1912 to 1939. Their story is a history lesson on what agriculture was like at the turn of the 20th century and a lesson about how patient outreach and dedicated engagement backed by proven science from university research reshaped and modernized Indiana agriculture.

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A Father’s Secrets, A Daughter’s Search

Who is Josef Katz? The fun-loving, harmonica-playing dad Sara loves so much? Or the monster who abuses Sara’s mother and locks himself in the bathroom, unable to beat his addiction? Eight-year-old Sara Katz huddles under the covers, listening to her parents’ muffled arguments and fighting the sleep that inevitably brings her bad dreams dreams of her terrifying Shadow Father, a heroin addict.

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What Really Happens When You Die?

Cosmology, Time and You

Taking his inspiration from Stephen Hawking’s groundbreaking A Brief History of Time, author Andrew McLauchlin brings his background as a physicist to bear on this fascinating subject. What Really Happens When You Die? is a journey of discovery into a realm that offers an astonishing explanation for one of life’s imponderables.

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The Strange Round Bird

Or the Poet, the King, and the Mysterious Men in Black

The long-awaited Strange Round Bird brings Eden Unger Bowditch’s Young Inventors Guild trilogy to a satisfying conclusion—no mean feat with so many threads and mysteries to be resolved. The children—young inventors all—set out through the streets of Cairo, finding clues, analyzing mysteries, and utilizing those curious inventions they’ve so carefully designed.

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The Four in One Gospel of Jesus

The chronological harmonizing of the parallel accounts of the four Gospels provides a unique reading experience exclusively in the King James Version, nothing has been added and nothing has been deleted. Thus, The Four in One Gospels certainly cannot substitute for the original as God divinely inspired the original writers, each with its own unique style and content, and with a unique purpose. This faithful Gospel book is perfect for seekers, new believers, and old scholars alike.





3 Ways to Report to Credit Bureaus, 3 credit bureaus.#3 #credit #bureaus

How to Report to Credit Bureaus

Credit bureaus are agencies that keep credit reports on file for every consumer with a federally-issued social security number (SSN). A credit report file contains information about an individual’s financial debt, including account numbers for current and past debts, loan types and terms and payment history. If an individual defaults on loan payments, the creditor may opt to send a report of the late payment(s) to the credit bureaus so that it will be reflected in the consumer’s credit file. If you are a small business with few debtors, you will have to use a middleman and pay a fee to report to the credit bureaus. Otherwise, you may join the credit reporting bureaus and report directly to them.

Steps Edit

Method One of Three:

Learning About Credit Bureaus Edit

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Method Two of Three:

Hiring a Collection Agency or Credit Reporting Service Edit

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How to React If Your Credit Card Company Sues You – ABC News, credit search.#Credit #search

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When Your Credit Card Company Sues You

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Whether the notice comes in the mail, or is delivered to your doorstep, being told that you are being sued for a credit card debt can be terrifying. For many people, the first reaction is to shut down and ignore the situation. “The tragedy…is not that the consumer was sued but that most never respond,” says Steve Rhode, founder of GetOutofDebt.org who is also working on a research project about lawsuits filed over consumer debts.

If a debtor ignores the lawsuit, however, the creditor will get a judgment against the debtor, which in turn will provide the creditor with additional powers to collect the debt, including seizing bank accounts or garnishing wages, in some states. (Note that in this story we are talking about situations where a credit card company itself sues you – not when a debt collector sues you.)

How to react when you are sued by your credit card company depends on a number of things — including, first and foremost, whether you acknowledge that you owe the debt in question.

If you know you owe the debt and the amount is correct, there are a few different ways this can unfold.

If you can scrape together some cash – perhaps with a loan from a friend or family member, for example, then one option is to pay or settle the debt immediately. “A reduction in balance owed or beneficial repayment terms are entirely possible outcomes,” says Rhode.

But you must act quickly.

“Once sued for collection, get immediately involved in the solution,” says debt settlement expert Michael Bovee, founder of the Consumer Recovery Network. In his experience, consumers will typically have to come up with 60% – 100% of the amount owed to stop the lawsuit, though smaller settlements are possible in some situations.

If you are able to resolve the debt at this point, you must get written documentation from the creditor acknowledging your payment and stating that the lawsuit will be dropped. This is especially true in cases where you are settling the debt for less than you owe. Otherwise, the creditor may say your settlement was a “payment” and still sue you for the balance.

“Be certain you are agreeing to a settlement that will also result in the dismissal of the lawsuit,” Bovee insists. “Settling quickly means you can avoid a judgment damaging your credit report.”

If you know the amount is correct, but you can’t afford to pay or settle it, it’s a good idea to talk with a bankruptcy attorney to find out whether filing for bankruptcy is your best option for dealing with the debt that you can’t afford. If it turns out that bankruptcy isn’t a good option, the attorney can explain to you what may happen once there is a judgment against you.

There Must Be Some Mistake

What if you don’t believe you owe the amount they are trying to collect? Maybe you disputed a purchase but the creditor refused to correct it. Perhaps you believe you were a victim of fraud. Or maybe your balance has just ballooned with bogus charges. Robert Brennan, a Southern California consumer law attorney, explains:

Look at the amount that is being collected and the amount that is being reported (on credit reports) as delinquent. When accounts go into collections, the collections departments frequently tack on fees, penalties and interest which do not belong there. If you see your $2,500 balance suddenly balloon to $5,000, or higher (not uncommon), write a certified letter to the credit card company asking for a detailed accounting of the penalties, fees and interest, along with a copy of the contract that permits the card company to charge these items for a defaulted account. Sometimes the card company will give you the info; most times they will not. If the card company cannot verify the proper amount of the debt, then it can only credit-report the amounts which it can verify, which is usually the principal-plus-interest at time of default. It may not be a big case, but consumers who fall victim to this type of false credit reporting can probably use the Fair Credit Reporting Act to pressure the card companies to at least lower the demand to the principal-plus-interest at time of default.

If you think something is amiss – you are being harassed or the amount you owe has been inflated, for example — you may want to talk with a consumer law attorney with experience in credit and collection issues.

William Howard, a Florida consumer protection attorney with Morgan & Morgan points out that in a few states, including Florida and California in particular, there is a “collection harassment law that allows you to sue “Any Person” (including the original creditor or credit card issuer) directly for harassment such as: collecting one penny not owed, collecting fees they are NOT entitled to such as attorney fees or higher interest, too many calls, calling at work, etc.”

Consumer law attorneys usually offer a free or low-cost consultation, and may take the case at no cost to the consumer since the creditor or collection agency will be required to pay their fees if it turns out they are breaking the law.

While a lawsuit for a debt isn’t something anyone wants to have to deal with, try to keep it in perspective, and focus on resolving it one way or another.

“My advice is to not look at the suit as a negative,” says Rhode. “But as a positive opportunity to negotiate with the lender to work out a solution that might be affordable and beneficial to both parties.”

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.