Archive for January 31, 2014

TurboDispute Web Based Credit Repair Software Tuned Down to $5999 per Month

TurboDispute Web Based Credit Repair Software Tuned Down to $ 5999 per Month
News from IT Business Net:

More Related Stories

 

January 30, 2014 —

Glendale, CA (PRWEB) January 30, 2014

Credit Umbrella Inc. has made a major cut in the monthly subscription rate of TurboDispute Web Based Credit Repair Business Software. It can now be subscribed for $ 59.99 per month, down from the previous tag of $ 149. This has provided an opportunity to businesses to leverage the sophisticated software to their advantage at lowly rates.

The multi-user web-based software gives a business 360-degree view of each of the customers. Moreover, your customers and affiliates get access to the web portal as well enabling them to view the progress of their file at will. You get CRM tools to manage customers and leads, import own dispute letters, create invoices and chat with client, commented a senior executive with the company.

Key features of this solution are unlimited clients, quick dispute letter generation, extensive library of attorney-prepared dispute letters and more. It empowers a professional to view a records progress with no need to toggle through multiple customer records. The sys…………… continues on IT Business Net

… Read the full article
.


Related News:


Start a CREDIT REPAIR BUSINESS! Legally boost your clients’ credit scores fast! Easy to use with fast results! All New Versions! No monthly fees ever! A must…

Beware Credit Repair

Beware Credit Repair
News from KATV:

LITTLE ROCK (KATV) –

Back in September of 2008 our Seven-On-Your-Side office warned you about a credit repair offer.

Now… more than five years later… the two women behind that offer are facing federal charges.

We’re not sure why it took so long to arrest Sherrye Mance and Tiffany Morris. They have alleged victims in Arkansas and five other states. But just because they are out of business doesn’t mean people wanting to improve their credit are not at risk of getting ripped off.

The signs aren’t hard to find…get your credit repaired…guaranteed.

With a 501 area code you assume it’s a local offer. But we called…and an operator in Fort Worth answered.

She says a free consultation will reveal how easy it is to rid your credit report of 80 to 90 percent of the negative information.

“For a short period of time I believe they could,” says Robert Fixott with Family Service Agency. “But…in the long term…it’s gonna come back. If it is legitimate, it will come back.”

Fixott is a certified consumer credit counselor. He says people are attracted to credit repair offers because they are hurting and want to heal fast.

Back in 2008 we met with people who paid about $ 250.00 each for a chance to clean up their credit quickly.

It di…………… continues on KATV

… Read the full article
.


Related News:


Scoreinc.com Releases One of Training Program to Help Credit Repair …

Scoreinc.com Releases One of Training Program to Help Credit Repair …
News from DigitalJournal.com:

Mobile, Alabama (PRWEB) January 22, 2014

According to Joel S. Pate, president and CEO of Scoreinc.com, “Realtors© are the actual source of most referrals to credit repair companies, not loan originators. Thus, as the Qualified Mortgage Rule changes many facets of the mortgage industry effective date of January 10, 2014, CRO’s must learn to build relationships directly with Realtors© and builders to overcome the likely prohibition that some lenders will impose on their LO’s of allowing their loan originators to refer the Realtors© and homebuilders credit turn down customers, that are Not Yet Ready to Purchase™ a home, to a credit repair professional as recently demonstrated by a August 2013 notice from the nations largest mortgage servicer.”

At a recent event held by the University of Alabama’s Center for Real Estate continuing education event held in Tuscaloosa Alabama by the Tuscaloosa Association of Realtors©: “While it doesn’t appear to be the intent of the Consumer Financial Protection Bureaus QM to limit consumers access to the services of professional credit repair operators inadvertently it seems like they have as lenders correctly or incorrectly process the QM through…………… continues on DigitalJournal.com

… Read the full article
.


Related News:


A reasonable explanation: what ‘reason codes’ tell you about your credit score

A reasonable explanation: what ‘reason codes’ tell you about your credit score
News from Fox 54:

(BPT) – Consumer knowledge about credit scoring remains a challenge. In fact, nearly half of Americans still don’t know that mortgage companies use credit scores when making decisions about credit availability and pricing, according to a 2013 survey by the Consumer Federation of America and VantageScore Solutions, a credit score model developer. Even if you do understand the importance of a credit score, you may still wonder why yours isn’t higher.

That’s where “reason codes” come in handy.

Reason codes – also called score factors or adverse action codes – address factors that may be impacting your credit score, such as high balances on revolving credit accounts, late payments or a short credit history.

“Many people only review their credit score when they’re applying for or have been refused new credit,” says Barrett Burns, president and CEO of VantageScore S…………… continues on Fox 54

… Read the full article
.


Related News:


10 Credit Score Truths and Myths

10 Credit Score Truths and Myths
News from Huffington Post:

If your personal information gets compromised, a thief will open up financial accounts in your name. However, they will not pay the bills, and this will ruin your credit.

Whether bad credit results from the legitimate credit holder’s irresponsibility or from identity theft, your ability to buy a car, rent a nice place, purchase a home or even get employment can be severely stifled.

1. Credit reports aren’t always accurate. Most have a big error or mistake: 80 percent, actually. Regularly check your credit report.

2. Pulling your credit score will lower it. A “soft” pull is done yourself for personal reasons; it will have zero effect. A “hard inquiry” is when a lender pulls it up for loan approval. It will have a negative impact, but small.

3. A higher income = higher credit score. Income is not relevant to credit score; paying bills on time (or not) is what matters.

4. Credit scores and credit reports are the same. The three big credit reports are Equifax, Experian and Transunion. But there are too many various calculations…………… continues on Huffington Post

… Read the full article
.


Related News:

When Your Credit Score Is Too Low for a Mortgage
News from DailyFinance:

Mortgage lenders have tightened their credit requirements since the freewheeling lending days that led to the financial crash. Borrowers need, in general for a conventional mortgage, a minimum FICO score of about 650. Remember, the higher your credit score, the lower you mortgage interest rate will be.

With a lower credit score, expect to put more down
With a lower score, the best thing that you can do to increase your chances of getting a mortgage is to increase your down payment. The more equity you have in the property, the less the risk is to your lender.

Consider alternative mortgage sources
The U.S. Department of Veteran Affairs has a program that helps service men and women, veterans, and qualified surviving spouses become homeowners. The VA does not loan money but offers lenders a guarantee on your home loan equal to 25 percent of the approved loan up to the maximum allowed for the year. Although the VA does not set minimum FICO scores for mortgages, its partners have set a minimum of 620 as a credit score for a VA mortgage.

Another option is see if you can get a 

… Read the full article


http://www.bestfreecreditscores.com/freescore.php Improve credit score in 72 hours with rapid rescore services Do you need to improve your credit score fast …
Video Rating: 5 / 5

5 ways to boost your credit score

5 ways to boost your credit score
News from MarketWatch:

By AnnaMaria Andriotis, MarketWatch

Most New Year’s resolutions require consumers to spend money, but here’s one that actually doesn’t cost anything and ultimately helps people save: Boost your credit score.

Getty Images

Low credit scores result in higher interest charges for all types of debt, including credit cards and home loans. Borrowers with a FICO credit score (the score used for most consumer lending decisions) of 700 save an average of $ 648 in interest on their credit card, $ 1,392 on their car loan and $ 2,340 on their mortgage each year, compared with borrowers who have scores below 620, according to a study by CardHub.com , a credit-card comparison website. Those savings get even larger for borrowers whose credit score is above 700. Separately, lower scores can lead to larger home and car insurance bills and make it harder to rent or buy a home.

Fortunately, there are ways to improve a low credit score and most involve scaling back on credit-card usage. Tha…………… continues on MarketWatch

… Read the full article
.


Related News:

Bitterroot Financial Education Coalition: Take the mystery out of credit scores
News from Ravalli Republic:

2014-01-17T19:33:00Z 2014-01-18T06:47:31Z Bitterroot Financial Education Coalition: Take the mystery out of credit scoresBy SUE SMITH – Ravalli County Federal Credit Union Ravalli Republic

Every time you apply for a job, a loan, an apartment, perhaps even a service provided by a utility such as a cable company or cell phone provider, it is likely that you are assessed based on your credit score. Credit scores affect everything from insurance rates, interest rates on loans, access to additional credit, and even employment opportunities.

Your credit score can be described as a snapshot of a particular moment of time in your credit behavior because your score continually changes based on your credit practices. Using a credit card, making a loan payment, or sending in your loan payment even a few days late can all have an impact on your credit score.

Credit scores range from 300 to 850, with higher scores awarded to consumers who are perceived as posing a lower risk to lenders and vendors based on their history of credit usage. The credit score provides a uniform standard and gives you clear guidance to tak…………… continues on Ravalli Republic

… Read the full article


Credit Repair Tips For 2014 Provided In A New Loan Love Guide

Credit Repair Tips For 2014 Provided In A New Loan Love Guide
News from DigitalJournal.com:

San Diego, CA (PRWEB) January 16, 2014

LoanLove.com is a borrower advice website that is dedicated to helping home loan borrowers find a loan that they will love. It explains, and sometimes avoids altogether when possible, much of the complicated and stuffy professional language used in the mortgage industry and instead provides detailed advice and information in a down-to-earth, concise and often entertaining way. The website seeks to empower borrowers by providing them with helpful first class knowledge, valuable resources and connections to top rated industry professionals. Because of this, LoanLove.com has become a trusted destination for current news and expert loan advice. One of the recent articles posted on this website provides borrowers with some great credit repair tips for 2014, which will help them benefit from the best loan rates.

The article says, “You may wonder how much of an impact your credit score can have on your life. In short, your credit score can greatly impact many aspects of your life. For example, a good credit score will mean you qualify for the best loans in regards to interests rates and loan terms. The following quote from Gerri De…………… continues on DigitalJournal.com

… Read the full article
.


Related News:


Wednesday’s Personal Finance Stories

Wednesday’s Personal Finance Stories
News from MarketWatch:

By MarketWatch

Don’t miss these top stories:

  • 5 ways to boost your credit score

  • 5 credit blunders to avoid

  • A London vacation for under $ 1,000

  • Travel that keeps the heart and brain healthy

Even a small improvement in your credit score can mean big savings. In today’s Personal Finance pages, learn about common mistakes borrowers make that put their credit scores into a tailspin, and get tips on boosting your score.

Plus, find out how to spend a week in London for less than $ 1,000, and see how…………… continues on MarketWatch

… Read the full article
.


Related News:


3 Legitimate Ways to Improve Your Credit Fast

3 Legitimate Ways to Improve Your Credit Fast
News from Huffington Post:

Credit scores are a lot like the family dentist — easily forgotten until desperately needed. Consumers often begin checking their credit report and scores a few months before buying a home or refinancing a mortgage. Realizing that a higher score can save them thousands of dollars, they are then left trying to improve their score fast.

In the words of Wyatt Earp, however, “fast is fine, but accuracy is everything.” This wisdom is as true in gun slinging as it is with credit scores. In an effort to improve their scores quickly, many consumers resort to expensive credit repair shops that are often as unnecessary as they are unhelpful.

So before you plunk down your hard-earned cash to a company that may not be able to help, consider these three legitimate ways to improve your credit score quickly.

Check Your Credit Report

The Federal Trade Commission found that five percent of consumers had significant errors on their credit reports. These errors were so significant that they could result in less favorable terms for loans,

… Read the full article
.


Related News:


How to Build a Good Credit Score

All about how FICO calculates your credit score along with some tips to building a good one.
Video Rating: 4 / 5

What’s the Simplest Thing I Can Do to Boost My Credit Score? – DailyFinance

What’s the Simplest Thing I Can Do to Boost My Credit Score? – DailyFinance
News from What’s the Simplest Thing I Can Do to Boost My Credit Score? – DailyFinance:

Approved Credit Score.Getty Images By Christine DiGangi

If you pay your bills on time, you can improve your credit scores — it can be that simple.

Now, for someone who has irregular income or is dealing with unemployment, this can be tricky, but someone with regular paychecks should be able to pay the bills on time. Payment history has a big impact on your credit scores, so if you’re looking for a place to start when improving your numbers, it’s a good one.

Get Organized

When it comes to the absolutely teeniest, tiniest thing you can do to improve your credit scores…………… continues on What’s the Simplest Thing I Can Do to Boost My Credit Score? – DailyFinance

… Read the full article
.


Related News: