Archive for May 31, 2014

MSI Credit Solutions Announces First Annual Credit Repair Giveaway

MSI Credit Solutions Announces First Annual Credit Repair Giveaway
News from Busbyway:

The credit repair giveaway helps those in need afford the services MSI offers.

Frisco, TX (PRWEB) May 27, 2014

MSI Credit Solutions is pleased to announce its first annual free credit repair giveaway. The credit restoration company will be accepting submissions for the giveaway until December 1, 2014.

In an effort to help those in unfortunate circumstances, MSI Credit Solutions will be taking submissions for individuals who may not normally be able to afford the superior credit repair services that the company offers. The prize package can retail for up to $ 1,600 worth of credit restoration services.

Along with providing credit repair services, MSI Credit Solutions will also provide the consultation services necessary to help guide the winner along the path to rebuild their credit and finances. MSI Credit Solutions hopes that this opportunity will open doors for the winner to finally be able to do things like obtain their dream home, land a new job, allow more purchase power, and a chance to obtain more desirable interest rates.

This will be the first year MSI Credit Solutions will be conducting this giveaway, but it will not be t…………… continues on Busbyway

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Spend smart and score brilliantly: Improve your credit score with these credit …

Spend smart and score brilliantly: Improve your credit score with these credit …
News from Idaho State Journal:

(BPT) – One of the questions most often asked about credit cards is how they can impact your credit score. With so many different types of credit cards now available, it’s no wonder consumers have lots of questions.

Here are five credit card best practices from VantageScore Solutions, the company behind the VantageScore credit scoring model, to help you pay down your outstanding debt and improve your score for the months ahead.

* Start small. One of the best ways to establish credit is to apply for a credit card with a low limit. Keep making on-time payments and your credit score is likely to improve. Once you have established a track record of managing your credit card account wisely, ask the card issuer for a larger credit line. Credit scoring models look at the total amount of credit you have available, so a higher limit can also have a positive impact on your credit score. In fact, if you manage your credit card properly the card issuer may increase your credit limit without even having to ask.

* Don’t charge more than you can pay off by the due date. This is perhaps the most obvious yet also most important credit card best practice. The average in…………… continues on Idaho State Journal

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How to Increase Your Credit Score the Right Way
News from Motley Fool:

If your credit score isn’t quite where you want it, life can be tough, especially if you’re planning on any big purchases like a house or a car in the near future. While the actual recipe for a great credit score is a well-guarded secret, the folks at myfico.com give us some helpful guidelines on how to increase your credit score. If you make use of the information available to you, raising your credit score could be easier than you think.

Use what you know about the “magic formula”
The FICO score is by far the most popular credit-scoring system. It is used in more than 90% of lending decisions and can be obtained from all three major credit bureaus (Experian, Equifax, and TransUnion) from the website myfico.com.

Pay your bills on time, even if you’ve messed up in the past
According to the website, 35% of your FICO score comes from your payment history, meaning your track record of paying your bills. More recent payments are more heavily we…………… continues on Motley Fool

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Crowdsourcing: Repair Your Credit Score Today And Improve Financial Condition

Crowdsourcing: Repair Your Credit Score Today And Improve Financial Condition
News from Crowdsourcing.org:

Crowdsourcing: Repair Your Credit Score Today And Improve Financial Condition
Crowdsourcing refers to intellectual gathering of information collectively which is used to
complete a business-related task. The information is collected from the public.
Crowdsourcing acts as an outsourcing task for businesses which is mostly performed by
employees and staff. With the help of crowdsourcing you can bring in human element in an
analysis. You can save time and internal resources. You get real-time analytics as you take
advantage of scale. To thrive in a customer driven market it is important that you
understand the needs of the customers. With crowdsourcing, you can gain important
insights and stay ahead in the competition.
Advantages of crowdsourcing
For sentiment analysis crowdsourcing is a better choice than machines. Using computers
and machines can at times result in loss of vital elements which are valuable. You can get
accurate results if you analyze data from social networking sites, obtain customer reviews
and consult crowd who can give you great insight. With crowdsourcing, you can ensure that
you data is being processed by humans at a faster pace than if you were adopting SEO
strategies. Several workers will tackle your project at the same time delivering results at a
…………… continues on Crowdsourcing.org

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Magellan appointed as L&C credit repair lender

Magellan appointed as L&C credit repair lender
News from Financial Reporter:

Published by AMY LODDINGTON

Specialist credit repair lender Magellan Homeloans has been appointed by London and Country to provide mortgages for clients who have historical adverse credit records and are therefore unable to access mainstream products.

Jon Sturgess, Head of Sales at Magellan Homeloans, said:

“We’re delighted to have been appointed by L&C as an approved specialist credit repair lender and are looking forward to working closely with their advisers and clients over the coming months.

“This new relationship with L&C, which is an important development for Magellan Homeloans, has been negotiated by our new Regional Sales Manager Phil Hearn, who has been able to make an immediate impact in his new role.

“Our proposition is designed to help borrowers who can explain and document the reasons for their financial difficulties and can demonstrate they have not incurred any new adverse credit during the last 12 months. We don’t use credit scoring, preferring instead to assess applications based on their own merits.

…………… continues on Financial Reporter
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The Mystery Behind the Credit Repair Industry
News from DigitalJournal.com:

Credit repair services have existed for decades, yet there is still confusion amongst consumers as to what these services actually entail.

San Francisco, CA — (SBWIRE) — 05/21/2014 — Despite having been around for decades, there are still common misconceptions regarding what credit repair services actually do. There are hundreds of different credit repair services, but consumers still do not completely understand what a credit repair company provides to their clients.

Credit repair is a service where credit consultants identify erroneous items on a client’s credit report and dispute those items with the credit bureaus to fix those mistakes. When these negative items have been removed, the clients’ credit scores will likely increase. Most people in need of credit repair are those working on applying for a loan or other financial assistance.

BestCreditRepairCompanys.com (BCRC) conducted their own survey and found that a majority of responders believe that a credit repair company reduces or settles debt. Only 32.1% of consumers polled across the United States actually understood what a credit repair service does.

“Debt settlement and credit repair are two totally different industries, but since they…………… continues on DigitalJournal.com

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How to Help Clients with Credit Problems

How to Help Clients with Credit Problems
News from Accountingweb.com:

A still-faltering economic recovery has wreaked financial havoc on many of your clients. Foreclosure, underwater mortgages in default and job loss can damage even a pristine credit record. And while as an accountant you’re not necessarily in the credit repair business, some work in this area can add value to your services, says Marc Rosen, CPA.

“I can be a mediator and sometimes negotiator,” says Rosen, a partner at Cameo Wealth and Creative Management in New York. “If it’s a small balance, a one-off charge, a $ 10 co-pay someone forgot to pay and it’s gone to a collection agency, I’d be comfortable calling the company to negotiate.”

For clients with large credit card balances or judgments against them, it’s time to bring in the credit repair experts, he says.

But even if accountants shy away from any credit repair, they can do one key thing: Ask clients if they know their FICO scores and have seen their credit report, says credit coach Jeanne Kelly, founder of Kelly Group Consulting in New York, who did a webinar two years ago for the American Woman’s Society of Certified Public Accountants.

“A lot of times people come to me because they don’t know where to start,” she says. So the credit score and report are the first steps in knowing what’s been reported about them, and if it’s accurate.

Clients can do a great deal to repai…………… continues on Accountingweb.com

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Berges Law Group and its affiliated companies sued for credit repair scheme
News from LoanSafe:

Deladurantey Law Office filed a lawsuit in the U.S. Area Court, Eastern District of Wisconsin for a Green Bay consumer Betty Bennett . The lawsuit claims she was the victim of a fraudulent credit repair plot by the Ft. Lauderdale, Florida law office of Berges Law Group and its subsidiary organizations.

In the lawsuit recorded on May 2, 2014, the respondents – Otto Berges; Berges Law Group, P.a.; Consumer Protection Counsel, P.a.; Debt Be Gone LLC; Paralegal Staff Support; and United Legal Group – are accused of disregarding the laws of the Credit Repair Organizations Act (CROA) and the Wisconsin Consumer Act.

The suit states that the respondents reached Bennett in September of 2013 with an offer to help her settle her credit. She was told by telephone what she might be charged in lawyer’s charges, which might be paid first and foremost, and what she might pay to alter her credit.

An agreement was sent to Bennett on Oct. 30, 2013 had violated the laws of the Credit Repair Organizations Act (CROA) and the Wisconsin Consumer Act. The contract did not state the approximate length of time necessary to perform the…………… continues on LoanSafe

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Bakersfield Credit Repair http://www.icscreditfix.com Credit Repair Service in Bakersfield, Fix Bad Credit Get a Credit Repair Review and Restore Good Credit…
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7 Ways to Improve a Credit Score

7 Ways to Improve a Credit Score
News from NASDAQ:

Source: Pixabay.

You might not think too often about your credit score and credit report, but they can have a huge impact on your life. Landlords, for example, can check to see how delinquent you’ve been in paying past obligations. Insurers, banks, credit card companies, and even employers can look into your credit score, too, with financial consequences. A high score can lead to a significantly lower mortgage rate, which can save you tens of thousands of dollars. Thus it’s well worth learning about ways to improve a credit score ways to improve a credit score so that your score is as perfect as perfect as possible.

Here are a handful of the many ways to improve your credit score.

  1. Fix those errors. One of the simplest ways to improve a credit score is to

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7 Ways to Improve a Credit Score

7 Ways to Improve a Credit Score
News from Motley Fool:

Source: Pixabay.

You might not think too often about your credit score and credit report, but they can have a huge impact on your life. Landlords, for example, can check to see how delinquent you’ve been in paying past obligations. Insurers, banks, credit card companies, and even employers can look into your credit score, too, with financial consequences. A high score can lead to a significantly lower mortgage rate, which can save you tens of thousands of dollars. Thus it’s well worth learning about w…………… continues on Motley Fool

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Rebuilding Bad Credit in 5 Really Slow Steps
News from Fox Business:

Looking for the secret manual that gives a quick, surefire way to fix bad credit? Sorry, Bigfoot borrowed our mythical copy. Said he wanted something to read onboard the Flying Dutchman on his trip to visit his old friend Nessie.

Unfortunately, there is no such thing as a quick credit fix. If negative items on a credit report drag down your credit score, the solutions — and the score gains that result — tend to be slow and steady. Time and patience are often your best allies as you adopt habits proven to help your credit score, and steer clear of moves that hurt it.

Following are five steps to clean up your credit. They’re not fast, but unlike the imaginary quick-fix manual, they have one advantage: They work.

Step 1: Look at your credit reports and credit score

If your credit is wounded, the first step to healing is to rip off the bandage and examine the damage. Do this by requesting copies of your credit reports.

The three major credit reporting agencies — Equifax, Experian and TransUnion — each issue credit reports. Federal law entitles you to one free annual copy of your credit report from each agency. To find out more, go to AnnualCreditReport.com.

…………… continues on Fox Business

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New Credit Repair Book Shows Consumers How to Repair Credit for the Cost of …

New Credit Repair Book Shows Consumers How to Repair Credit for the Cost of …
News from DigitalJournal.com:

Los Angeles, CA — (SBWIRE) — 05/14/2014 — Hidden Credit Repair Secrets, a Kindle Edition e-book released by Mark Clayborne, is the number one book in the country and Amazon.com for four years in a row. This e-book is a step-by-step guide that guides and assists users to tackle challenging unverifiable, inaccurate, misleading, and questionable derogatory information in their credit report. This how to repair credit e-book is the solution to determining the methods to correcting bad credit the results from wrong information a person’s credit report. This Kindle Edition credit repair secrets e-book can provide people with the tools they need to improve their credit scores.

The Hidden Credit Repair Secrets Kindle Edition is now available for just $ 9.99 at one time payment. The e-book is meant for businesses and home users to teach them how to repair credit. This dynamic debt management e-book contains an array of tools and information that users need to efficiently repair their credit record. This solution allows people to manage their credit repair at the comfort of their home or office without the assistance of professionals.

This how to repair credit e-book allows users to download or import their own dispute letters. Unlike compl…………… continues on DigitalJournal.com

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The truth about credit repair
News from BusinessDay:

Have you ever heard this before: “Credit Problems? No Problem.” “Your Bad Credit Erased…100 percent Guaranteed”?

Beware if you have ever read this type of advertisement. There are numerous companies that claim they can “fix” your credit reports for a fee. However, they do little and sometimes nothing in most cases to fix your credit reports.

What ends up happening is these companies take your money and disappears with it and you’re left with the same “bad credit” and even less money. Many companies also claim that they can create a new credit file for you by getting you a “new” Social Security number. This is illegal and never actually works.

Your credit history is maintained by companies called credit bureaus. These are private companies that collect information reported to them by mortgage companies, banks, department stores and other creditors. These bureaus can legally report any accurate negative information for 7 years and bankruptcy information for 10 years.

Any accurate negative items that are within the 7 (or 10) year reporting period cannot be erased from your report by anyone. This is true even for companies that advertise claiming they are able to…………… continues on BusinessDay

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Credit Repair Software Business Training for Start Up Business Credit Repair …

Credit Repair Software Business Training for Start Up Business Credit Repair …
News from DigitalJournal.com:

Los Angeles, CA — (SBWIRE) — 05/14/2014 — Credit Repair Software helps people to become professional credit repair experts.

With credit becoming harder to gain and with a strong emphasis being placed on healthy credit scores to gain loans and other types of credit, credit repair services are in hot demand. For the average consumer trying to understand their credit score and understand how to repair it, more consumers are now turning to credit repair experts for guidance and better credit scores.

With over 100 million consumers with bad credit trying to find out how to repair their credit, now is the right time to consider starting a professional credit repair business. With more people requiring credit repair experts and with the small number of people offering this service, it means that people who are worried about their credit are not getting the expert advice they need. There is a huge demand for credit repair experts and thanks to Credit Repair Business Training Software, more people can now learn how to become an expert and make serious money helping others.

Thanks to the Start Up Business Training Software (

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Credit Repair Software Consultant Releases His Startup Credit Repair Business …
News from DigitalJournal.com:

Credit Repair Expert launches credit repair training software to help people start their own business as credit repair experts

Los Angeles, CA — (SBWIRE) — 05/14/2014 — According to recent statics, over 100 million consumers have bad credit that not only affects their financial status, but can also affect their job prospects. A bad credit rating once only affected the ability to borrow money or buy something on credit, however, now with employers having the right to do credit searches on their employees and potential employees a bad credit rating now affects job prospects. This is why more consumers are looking to improve their credit rating, searching for credit repair consultants to help them improve their credit status.

With over 100 million consumers with bad credit there are not enough credit repair experts to meet the demand, this means there is a huge opportunity for people to start their own business helping consumers to improve their credit score. Thanks to Credit Repair Software launched by credit repair expert Mark Clayborne that teaches people everything they need to know about improving credit scores, men and women can now earn serious money by becoming experts in the credit rating system.

…………… continues on DigitalJournal.com

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http://www.LegacyLegal.com Credit Repair: you are given a choice of either hire a pro, do it yourself, (or just live with it). So which of these should you d…

How to Pay Down Credit Cards to Boost Your Credit Score – DailyFinance

How to Pay Down Credit Cards to Boost Your Credit Score – DailyFinance
News from How to Pay Down Credit Cards to Boost Your Credit Score – DailyFinance:

How to Pay Down Credit Cards to Boost Your Credit ScoreGetty ImagesMoving a balance to a zero percent APR transfer card could be a good strategy for paying down your pile of debt. By Abby Hayes

If you know anything about credit scores, you know carrying high credit card balances is a big no-no. In fact, your debt-to-credit ratio (how much you owe versus your total available credit) makes up about 30 percent of your overall credit score. And revolving debt — like credit cards — weighs heavier than other outstanding debts — like your mortgage or car loan. So if you’re carrying a bunch of maxed-out credit cards, your credit score is likely in the tank.

The most straightforward way to improve your debt-to-credit ratio is to simply pay down those balances. But chances are if you’re in a lot of debt, you can’t pay off all t…………… continues on How to Pay Down Credit Cards to Boost Your Credit Score – DailyFinance

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BBB’s six tips should help you to improve your credit score
News from Port Huron Times Herald:

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