Chief Concerns of a Credit Counseling Company

May 31st, 2011 by admin

Credit counseling agencies follow different debt consolidation programs. All programs or plans are directed to make one debt free in less time.

Chief concerns of credit counseling companies are:

Debt settlement

Most of debt consolidation agencies come featured with experienced counselors. Such counselors work in a systematic manner to help the clients. Debt settlement procedures include:

•    Discussing the debt matter with the client in detail to suggest the best method of consolidation.
•    They take full details of debt taken from the creditor.
•    They also note down the interest rate with which the client is paying currently.
•    Details of remaining amount along with last payment date are also noted down by the counselor before moving further.
•    They meet directly with the creditor to discuss different aspects of debt taken by customers.
•    Direct meeting with the creditor puts end to harnessing calls.
•    They manage to make one monthly consolidated amount for clients’ benefits.
•    They manage to lower down the interest rates up to 0 %.
•    Amounts are paid to creditors through cheque every month.

Debt management programs

Debt management programs are directed to offer best debt consolidation plan to clients. Such programs are focused to provide financial relief to individuals. Apart from this, debt management programs are also responsible to save one against bankruptcy. Expert lawyers of credit counseling agency saves clients from legal hassles.

Thus, it can be said that debt settlement and debt management programs effectively help one to get rid of financial crunches.

Consumer Credit Counselling is an independent debt consolidation agency based in Vancouver, Burnaby, Victoria regions in BC. It runs with the support of experienced counselors who suggest effective debt consolidation programs to consumers across the BC and adjoining regions in Canada.

Credit Card Questions ampamp Answers

May 31st, 2011 by admin

More Credit card questions please visit : Credit12345.com

Activating Credit Card.?
I just just now canceled my Landline service. How would i activate a credit card minus the use of a home phone. Is there any means of access around this.

Add credit card debt amount to investigational home purchase?
I have just about 25K in credit card debt. I am planning to buy a 540K house. Currently I hold great credit, is it possible to add my credit card debt into the home loan within order to spawn it a single monthly payment. What is the loan program call? I am shooting for 5 yr. ARM. Me and my wife plan to live there for more or less 3-4 yrs.

Add someone to my credit card?
I just added my husband who only just arrived in the States a couple of days ago to my Citi credit card and he will receive a seperate card for him and be capable of use it. My question is will this help out him build his credits? P.S. he hasn’g got his ssn on the other hand.Thanks.

Adding money to my PayPal using my credit card?
Hi, I’m using my Australian PayPal depiction to foot for something over the internet. It say wall deposits into PayPal give somebody a lift 5-7 working days, so I considered necessary to use credit card. I added my credit card details but it give me no substitute to donate money to the report using credit card..What do I do? I want to purchase the item today.

Adiprinex a diet product They or a fruadulant company charging $84.97 lacking your go-ahead to charge it?
My credit card request a refund but be denied from Adiprinex I can not find address, all i receive is a complaint line when i type Adiprinex .com. Does anyone enjoy the same problem? Thank you

adjectives information on credit card and debit card?
can someone help me next to dis?pls..

Advice for a infantile student next to credit card debt?
When I turned 18, I made the grave mistake of applying for credit cards. I was so optimistic that I charged like no tomorrow. Now, over a year following, I find myself in financial debt. I owe around 4 K to the credit card companies (I also owe a few more grand to student loans, but I won’t hold to pay for those until after I graduate college). I know 4,000 doesn’t nouns too monumental in comparison to those owing 20 or 30 K, but for a college kid next to a barely minimum wage career, it’s a lot. Between 4 cards, I charged them adjectives and STUPIDLY was unqualified to pay the bill respectively month, so eventually, they all go to debt collection agencies. I have since cut up adjectives of my cards. I’ve saved up give or take a few 1,000 from working in the summer, and am currently working. What is the best style to handle this situation? Should I pay cheque off an entire card and afterwards slowly pay past its sell-by date another? Which card is more ‘important’ to pay rotten? This is so confusing I am contemplating contacting a debt management company. Should I? HELP!

Advice for eliminate credit card debt.?
I have $30,000 surrounded by CC debt. I owe $100,000 on my home and have a second mortgage on my home for $10,000. I am WAY at the rear on the CC’s. getting calls every daytime. If my home is worth $140,000 can i take out another mortgage for the full efficacy of my home? My credit is obviously unpromising. I also understand I will own to pay PMI again but I newly want this stress out of my life. any suggestions on trellis sites would be usefull as well.

Advice GREATLY appreciated about a Credit Card issue?
I would GREATLY appreciate some help/advice from any Attorneys or Financial Gurus out there..About 15 years ago, I took out a Visa CC issued thru MBNA.(I took it out in my mark only) After my hubby took a BIG pay cut, I have used it 2 breed ends meet for the last 4 yrs. I hold run up a very LARGE balance.About 3 yrs ago, the acct be taken over by Bank Of America. We have pretty much been using BOA for adjectives our banking. We have our checking acct., my hubby’s business acct., our home mortgage (still contained by excellent standing, with only a few years departed to go), as well as a rental home Mortgage with them. We even enjoy our children’s savings accounts there. I hold been considering working with a debt settlement service on the CC symmetry, but am concerned with our bank affiliation. Can this management hurt our current mortgages and accts or is this considered a separate matter. (especially since it was taken over from MBNA)Any insight is valued.

Advice in relation to a credit card please!!?
Hi, sorry if this question seem crazy but i need some direction about a credit card please!! I currently own a credit card and a debt of lb1500 on this card! This is the only debt i own, no other loans or mortgage! When i took the credit card it was 0% interest, presently though it is 19.9%APR so my monthly payments are barely covering the interest and at this rate i’ll be paying stale this debt for years! If i get a credit card that offer 0% on balance transfers for 15 months does that tight-fisted that i don’t pay any interest for 15 months (ie adjectives payments i make compensate off the debt lacking interest?)would u recommend doing this, or get a loan to discharge off the credit card at a lower APR! Thanks for any warning!

Advice needed, desire to verbs current credit card debt…but how?
Hello,I aquired a credit card in May 06′. I looked-for to build my credit, I had a credit gain of 630. Initially I made small purchases and paid everything sour on time for the first few months. However, as of September I have some school related fees I charged to my card. Since September I’ve only just been paying the minimum payments and very soon have a moment ago over one thousand dollars on my card. Over one tenth of this is just surrounded by interest too. I know for next month’s clearing I will not be able to salary more than the minimum fee. Can I verbs my current debt to a new card. I’ve read a bit almost 0% transferring fees. Ideally, I’d like to find a card where on earth I could transfer the debt I own with a grace time of year, no interest, for a couple of months. Is there such a card or am I dreaming? I am modern to the world of credit cards and I’d appreciate some insight about my situation. I don’t want this debt to get hold of any more out of hand. Thank you!

Advice on a loan?
hi, im currently paying rotten a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a soaring income and im struggling next to the repayments. im paying something resembling 120 a month. can someone suggest another sandbank or loan company where on earth i can consolidate them and that have low interest rate? thankfulness contained by advance

Advice on building credit?
Hi. I have bleak credit. My score is 530. I am in a minute debt free, and have scholarly to be very responsible near money and paying things on time.I’ve granted to take out a secured credit card from Bank of America to modernize my credit now that I am much more responsible next to money. Someone told me it’s actually a better theory to have 2 of these cards, and pay cheque both off within full every month, to build credit faster. Is this true?Also, I’ve heard another entity that builds credit is your ratio between what you owe and your limit. So someone told me near a secured credit card, although I only enjoy to put down I think $300 for it, it’ll be better to clear one with a better limit. Any truth to this?I look forward to some sympathetic advice!

Advice on delinquent credit card depiction…?
Hello. I need some tangible advice. I of late graduated from arts school about a year ago and close to a lot students, I maxed out my card around a year ago. I had problems finding a opening for about 3 months so I couldn’t compensate the monthly minimum. My card from Bank of America was maxed at $5,500. Anyhow, give or take a few 4 months later I try to fashion a payment to find out that my description was frozen and they have sent the account to a collectors agency. By this time the go together rose to about 6,500. So I closed the depiction because BOA wouldn’t let me clear a monthly payment. The looked-for the full $6,500! I didn’t know what to do. So here I am now near creditors harassing me telling me that I owe them $10,000+ !! How can they hang on to charging me interest if the account be closed, I cant use the credit card, and won’t even let me sort a monthly payment!!? The creditors told me they can cut it down to $6,500 if I money in full! I can’t do that right very soon. I’ am really trying to get this problem resolved. Help!

Advice on handling this situation?
My ex fiance and I went to the furniture store and I help him co sign as a secondary personality. (which was STUPID, I know).Then he cheated on me several times and we broke up. The furniture is currently contained by his possession. He stopped paying the bill Dec. last year, very soon the credit card company keeps on calling me day by day, I have asked, pleaded and even beg him to take thoroughness of his responsiblity. Every time I call him he tell me not to pick up the credit cards company call. I terminated up picking up the payment but beside the amount of furniture bought it would probably be 4-5 yrs before I am done. Secondly I don’t resembling paying someone elses billThis is like a BURDEN on me. A friend recommended a small claims court but right presently I have a markedly busy schedule. Does any one know how long it is formerly ur time to file a claim expires?.. Or I be hoping since I have rewarded the bulk of the bill, if I could go pick up MY furniture. Any insist on would be appreciated tremendously

Advice on prepaid credit cards surrounded by the UK please?
Hi. I have a impossible credit history and have solitary got an electron card. I don’t want to draw from anymore credit but would like a credit card so I am competent to book things and buy online.Does anyone know anything about prepaid credit cards? Are nearby different ones? Which are cheaper etc? Any advice would be amazingly useful appreciation.

Affidavit for the Fraudulent Use of Identity and Fraudulent Credit Accounts?
I need the affidavit form that I convey to credit card companies and credit reporting bureaus.

After a credit card is charged past its sell-by date and sent to a collection agency, can you still settle near the CC company?
I want to deal with the credit card company (original debtor) and not the collection agency. Can I still do that, or have the credit card company already relinquished its rights to the debt?

After collections, later what?
I had several credit card accounts budge to collections. I paid most of them past its sell-by date but one in fastidious I could not pay. I call the collections company and they said they no longer are handling my account? What happen next? Are they going to accessories my wages? The debt is for about $1300.00. If they trimmings my wages how much do they take out a month? I can’t afford to lose much money out of my paycheck…Any counsel would be appreciated.

After entering credit counseling, do I entail to verbs making credit card payments?
There are four good faith payments, do the credit cards turn into default while making these payments?

After file liquidation, how long should I continue to apply for a credit card?
Should I wait the 7 years until my diary is clear or apply during that 7 year period? I file 5 years ago. Likewise on car loans, how long should I loaf?

After Having Secured Card For So Long?
I am wondering if after having a secured credit card for a extent of time, would they eventually change it over to an unsecured card next to more money added??Thanks

After I’ve made a fee to credit card co., who do I phone to post the recompense on the Credit Bureau?
Do I call the Credit Bureau or the Credit Card company

After liquidation when should you apply for a credit card?
And what credit card company is the best to apply for?

After u settle up a credit collector bad and theres a nil match, whats subsequent?bid the credit card co?what happen?
I just rewarded a credit collector off for a citi put money on card that i didnt pay for 9 months…very soon that i payed off the card, should i beckon citi bank? How do i know everythings ok? what will it right to be heard on my credit report now?

After you settle up bad a credit card, does cancel the card hurt your credit?
My credit limit on my current card is solely $300. I want to open a card in need a different company. Once I pay it rotten, will cancelling hurt my credit?

Age hamper for credit cards?
My 12 year old of late received a credit card offer contained by the mail from guess who…Capital One. As if those slimeballs ahven’t be in satisfactory trouble with class movement lawsuits about predatory practices and marketing for those next to bad credit or low income, very soon they’re soliciting minors!Is there a statute that I can cite that would prevent them from soliciting to minors?

Age on credit card?
i have a credit card and im 16 will websites not let me buy cigarettes or alchol? how can they notify how old you are if you pay near a credit card?

AHH!! Credit cards?
Read my other posts on here first, called Never can get a credit card?? and Never can bring a credit card? part 2.So, what do I do if I go to a edge tomorrow and it refuses to give me a secured credit card?Does not have a credit history affect your ability to get financial aid for grad university thru the FAFSA??So, what if I can never ever get a credit card or history in my entire duration because the credit card places will not give me a credit card and I cannot do what I want to do and I cannot take a break or buy a car or a house or anything? And my whole go ends up being ruined because of this stupid thing around you need a credit history to get a credit card??

Aif a character give credit card info over a mobile w/o signing anything is he liable?
we feel that the service of a bailbondsman was missrepresented inoder to gross a large charge on my wife’s credit card. She verbal give card info, but she signed nothing. Is she legally competent to cancel the charge that is immediately pending on her account?

I am having 4 credit cards and done the balance transfer. Can i apply one more credit Card?

I am having 4 credit cards and done the balance transfer. Now I need to pay one of credit before April. I want to apply one more credit card to do that. It is possible to apply one more credit card. Which is the best credit that gives me higher credit limit? When can I apply the credit card?

Answer
your crazy for even having 2 gl with that one lol

How to Obtain Credit Card with Bad Credit History

May 31st, 2011 by admin

Credit card for bad credit application isn’t for the purpose of obtaining a further card to shell out for unnecessary purchases. In case you are in the middle of a poor credit standing due to poor choices previously, a credit card for poor credit can be a tool to assist you turn it close to for the better. But, the truth is that you can find different cards accessible on the market and their rates are all various. Therefore, it’s crucial that you are informed and conscious of the rates linked with each and every card.

There are numerous folks with poor credit standing who would like to apply for a credit card for poor credit. They wanted to make use of the card to assist them improve their credit standing. Surely, it could be employed this way. When an individual holding a credit card for poor credit is in a position to often pay off the rates and balances in his account, the credit bureaus might be notified and consequently, the particular person can gain an enhanced credit score. A good credit standing is of high importance because it can assist an individual effortlessly apply for loans and insurances from various lending institutions.

Considering that not all lenders and banking institutions are willing to place up with the danger involved, only a few sorts of credit card for poor credit are accessible. If a borrower’s credit score is poor, it could surely be slightly difficult to obtain approved for loans plus the interest rates tend to become greater. Therefore, a credit card for poor credit will surely be of wonderful assist to these people.

It is also important for you to become conscious of the terms and conditions of each and every credit card offer that you just are taking into consideration. This really is simply because credit card organizations often emphasize the great points of their offers however they tend to hide the downside and only mention it on the terms and conditions page; the aspect which many people neglect to read and scrutinize. Thus, after sometime they fall into the trap and find yourself getting in quite poor situations simply because they fail to verify each of the pros and cons of the credit card they applied for.

You must also be conscious that most credit card organizations supplying credit card for poor credit have high annual rates which can range from 50-100 dollars per card. Apart from this annual fee, they often ask for a set up fee at the same time. Moreover, some credit card for poor credit has monthly dues which may not seem much but will amount to a decent sum when calculated on a yearly basis. You might want to incorporate all these information in your calculation and pick a credit card organization that offers low rates for their card.

Certainly, applying for a credit card for poor credit is an easy method to improve your credit standing without  obtaining to go through difficult repair schemes and techniques. With this, you won’t need to apply for a loan as you already have a card that you just can use for your purposes. Concurrently, while you are in a position to make use of this card adequately, this can be the tool for you to turn your poor credit into a good one, which will prove to be beneficial for you in the long term.

Credit card for poor credit application isn’t for the purpose of obtaining a further card to shell out for unnecessary purchases. In case you are in the middle of a poor credit standing due to poor choices previously, a credit card for poor credit can be a tool to assist you turn it close to for the better. But, the truth is that you can find different cards accessible on the market and their rates are all various. Therefore, it’s crucial that you are informed and conscious of the rates linked with each and every card.

There are numerous folks with poor credit standing who would like to apply for a credit card for poor credit. They wanted to make use of the card to assist them improve their credit standing. Surely, it could be employed this way. When an individual holding a credit card for poor credit is in a position to often pay off the rates and balances in his account, the credit bureaus might be notified and consequently, the particular person can gain an enhanced credit score. A good credit standing is of high importance because it can assist an individual effortlessly apply for loans and insurances from various lending institutions.

Considering that not all lenders and banking institutions are willing to place up with the danger involved, only a few sorts of credit card for poor credit are accessible. If a borrower’s credit score is poor, it could surely be slightly difficult to obtain approved for loans plus the interest rates tend to become greater. Therefore, a credit card for poor credit will surely be of wonderful assist to these people.

It is also important for you to become conscious of the terms and conditions of each and every credit card offer that you just are taking into consideration. This really is simply because credit card organizations often emphasize the great points of their offers however they tend to hide the downside and only mention it on the terms and conditions page; the aspect which many people neglect to read and scrutinize. Thus, after sometime they fall into the trap and find yourself getting in quite poor situations simply because they fail to verify each of the pros and cons of the credit card they applied for.

You must also be conscious that most credit card organizations supplying credit card for poor credit have high annual rates which can range from 50-100 dollars per card. Apart from this annual fee, they often ask for a set up fee at the same time. Moreover, some credit card for poor credit has monthly dues which may not seem much but will amount to a decent sum when calculated on a yearly basis. You might want to incorporate all these information in your calculation and pick a credit card organization that offers low rates for their card.

Certainly, applying for a credit card for poor credit is an easy method to improve your credit standing without  obtaining to go through difficult repair schemes and techniques. With this, you won’t need to apply for a loan as you already have a card that you just can use for your purposes. Concurrently, while you are in a position to make use of this card adequately, this can be the tool for you to turn your poor credit into a good one, which will prove to be beneficial for you in the long term.

She has been in the credit card industry for the last 5 years and has helped many people apply for a credit card even those with bad credit background

How to get a credit card with no credit and no checking account?

I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

Answer
Actually most banks give you a credit card when you open a checking account. If you are 17 or older you can get a student checking account with a debit card.

The reason they want a checking account is because statistics show that people that don’t have checking accounts are more likely to default.

If you are under 18, you can not get a credit card.
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The Advantages of Cash Loans for Bad Credit

May 31st, 2011 by admin

Are you an individual with poor credit history? Are you unable to get a loan from any private or public bank? Are your friends and colleagues also denying you any further financial aid? Why don’t you take bad credit loan? Bad credit payday loan would offer you cash advance loan despite your bad credit history.

For the uninitiated, there are cash loans for bad credit. The bad credit payday loans providers do not perform credit check of the loan applicant. At the time of providing the bad credit loan, they only require three things. First, the applicant should be minimum eighteen years of age. Second, he/she should be employed on a permanent basis. And third, the applicant must have a salary account wherein his/her salary is deposited every month. If the bad credit payday loan applicant fulfils these three things, he/she can get the cash advance loan within hours.

This is not all. Cash loans for bad credit do not even require any papers or bank statements. Also, one is not required to pledge his assets or any belonging as a security against the cash advance loan for bad credit. Just fill in a simple online application form and you could get cash loans for bad credit deposited right away in your account within few hours.

Although, the cash loans for bad credit allow those with bad credit history to meet their urgent and short term financial emergencies, these loans charge $26 on every $100 borrowed. And, in case of non-repayment of the payday loan amount on the due date, the lender adds late fee, which makes the bad credit payday loan very expensive and difficult to repay at times. This is not all. In some cases, the lenders take strict legal actions against the defaulter.

So, when taking the cash loans for bad credit, do not forget to analyse your repaying position/capacity. If you feel you can’t pay off the bad credit payday loan, do not think of it as you can land up in a real worse situation.

But, if your current job or salary would allow you to pay off the cash loan conveniently, you may go for it without looking for help from your friends or colleagues or using your credit card. With the help of the bad credit payday loan, you can pay off your utility bills, insurance premiums, medical expenses, car repair expenses, or meet any other financial needs.

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How can you rent an apartment with bad credit?

I live in WI and am having to move suddenly. I made some bad choices and ended up with a bankruptcy and bad credit on my file. I am getting divorced – he is the reason for the debt – never kept a job and we went under. I worked all my life and now my file looks bad. How can you overcome this in trying to find a new apartment?

Answer
It is very hard to overcome bad credit. Some places will allow you to go on payment plans where you pay every two weeks and pay a month ahead. Some will require you to have a co-signer just like buying a car. Some will not allow you to get an apartment at all but look around in your area. I went to apartmentguide.com, apartmentfinder.com and various other sites. I called around and found a few that I visited and then finally found one. Keep working hard to get your credit back up and one day you will be able to get a good place because with bad credit I have a not so great apartment but it is a place to live.

Depending on the type of bankruptcy, it can take several years to come off of your credit report. There are also free services that will give you advice on finances and credit. Go to your state agency website, your local job and family services, and ask them who you could contact for help.

Bad Credit Motorcycle Financing It Is Possible Now

May 31st, 2011 by admin

Bad Credit Loans – Government Grants – Public Records

Debt Grant Loans Are Available. Bad Credit Personal Loans, Gov Grants, Foreclosures, Unclaimed Money, Scholarships, Student Loan Debts, Bankruptcy Help, Online Auctions, Public Records Background Checks & More! Affiliates Earn 50%! High Conversion Rates more info…

How can you rent an apartment with bad credit?

I live in WI and am having to move suddenly. I made some bad choices and ended up with a bankruptcy and bad credit on my file. I am getting divorced – he is the reason for the debt – never kept a job and we went under. I worked all my life and now my file looks bad. How can you overcome this in trying to find a new apartment?

Answer
It is very hard to overcome bad credit. Some places will allow you to go on payment plans where you pay every two weeks and pay a month ahead. Some will require you to have a co-signer just like buying a car. Some will not allow you to get an apartment at all but look around in your area. I went to apartmentguide.com, apartmentfinder.com and various other sites. I called around and found a few that I visited and then finally found one. Keep working hard to get your credit back up and one day you will be able to get a good place because with bad credit I have a not so great apartment but it is a place to live.

Depending on the type of bankruptcy, it can take several years to come off of your credit report. There are also free services that will give you advice on finances and credit. Go to your state agency website, your local job and family services, and ask them who you could contact for help.

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Author:Derbiaucf (Derbia Gruenes)
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How To Qualify For Bad Credit Loans

May 30th, 2011 by admin

Bad Credit Loan Sources

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How much credit line can OrchardBank sercured credit card offer me with BAD credit?

Man. My company ran out of buisness long time ago, and I need about $1000 quick cash, but my credit is bad. After all research, the only option I have seems OrchardBank. How much credit line do they offer to someone with real bad credit under 520?

Answer
The average is a $200-300 credit limit. And they will probably charge you about $70 annual fee which they will deduct from your credit line right away.

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Author:robertreading (robert reading)
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What is the difference between bad credit and no credit in Canada

May 30th, 2011 by admin

If you have just realized you are having credit issues after the bank refused to give you credit after your recent credit application, you are in for a rude awakening regarding your credit. Many Canadians today are having the same problem so you are certainly not along on this issue. With the recent recession and economical turmoil. Many Canadians are having credit related problems when it comes to financing a home or a car these days. There is a distinction between having bad credit versus no credit or even new credit. We are going to look into the difference between the bad and no credit today.

First of all if you are having bad credit issues that means you were once considered a good credit case, but with the slide of your credit score over time you are now been treated as a bad credit loan applicant. Usually a bad credit loan applicant’s credit score is well under 640 and it is usually due to slow payment, late payment, missing payment or over extended credit over time. It is not something that happens over night rather over long period of time usually range from 6 month to 12. But don’t worry just like your credit score can slide over time; it can also increase over time with good credit behavior.

On the other hand no credit usually means you have no traceable credit history in Canada, you could have recently emigrated from another country which your credit score does not transfer. Or you have been living in Canada for some time but never needed to apply for a Visa or any loans, or very little bills for that matter. Since the credit bureau of Canada has no record of your credit history, you are been considered as a no credit applicant. So which one is better? It is hard to say since it’s all based on each individual, but generally speaking having bad credit is better than having no credit. With both scenarios you can gradually increase your credit score with good payment history and behavior.

So the next time you are running into this situation don’t worry. All hopes are not lost yet; you can gradually gain your credit score back, thank you for reading this article it is brought to you by Bad Credit Car Loans Toronto, the latest online credit processing center for city of Toronto. Visit us online for more information at http://www.badcreditcarloanstoronto.ca or http://www.badcreditcarloanspickering.com

Bad Credit Car Loans Toronto is Toronto’s leading bad credit, no credit, car loan provider; we have a team of credit professionals who can help you to get you out of your current credit situation. Visit us online at http://www.badcreditcarloanstoronto.ca or http://www.badcreditcarloanspickering.com

Does bad credit history/defaulted payments affect getting a working visa in the USA?

I am planning to go to US in April. I will be in credit however have missed payments etc and have a bad credit history. Will this affect me getting a visa?

Answer
A working visa can be denied for a whole host of reasons. You should talk to your sponsoring employer’s immigration lawyers. BTW, you cannot get a work visa for the US withouit a sponsoring company.

Free Credit Report Truly Helpful for All

May 29th, 2011 by admin

People who are worried about their credit scores and want to know about them can get their free credit report. Large numbers of people apply for the loan and other financial help from lenders and other financial institutions. They are really worried if their application will be approved due to their credit scores. These people can take help of their free credit report to know about their credit scores.

Lenders and other financial institutions provide loan and other financial help to the borrowers for checking their credit history. These leading lending agencies provide the loan at low or high rate of interest on the basis of the good or bad credit record of the borrowers. Thus, people who want to know about their credit scores can take the help of the free credit report. Borrowers can access their credit report and they can know about their present credit status. Moreover, it helps the people to make improvements in their credit report, if required. The financial bureaus namely Equifax, Trans Union, Experian prepare the credit report. Documents of financial transactions and the personal information of the borrowers are collected to prepare the credit report.

The credit report is very beneficial when a person applies for the loan and other financial services. One can get free credit report online. There are no large efforts required to obtain a credit report. One must keep checking his credit report periodically. There can be some mistakes in his credit report that can be corrected by contacting the bureau staff on time. This will help to avail loans and other financial services easily. A person with the good credit scores is always welcomed by the lenders and other financial institutions when he requires financial help. On the other hand, a person with the poor credit scores faces many difficulties to avail financial help from these lenders. If they get some help, they have to pay high rate of interest for it. Thus, the better idea is to keep checking your free credit report and maintain a good credit history that will be beneficial for you.

Viewing your credit score and report has become quite easy with freetrialcreditreport. By availing 10 days free trial credit report,you can access your credit check reports. Screening the credit reports and score through online mode can be very useful. As a matter of fact, these reports help you to understand how lenders reach to a particular decision based on your profile.

 

 

Neascu William is author of Free Trial Credit Report.For more information about Free Credit Report, Free Credit Score Check visit http://www.freetrialcreditreport.co.uk

 

How does bad credit come off your credit report once you have passed the 7 year deadline?

Some delinquent reports on my credit report are due to fall off this year. Will they come off my report automatically or is there something that I should do once the fall off date has passed?

Answer
typically they come off but after another month or so and they dont come off then contact the bureau and request that it be removed

Bad Credit Repair Do it Legal and Right

May 29th, 2011 by admin

There’s a lot of bad credit repair offers on the web today making bold claims to “increase your credit score by 100 points in 30 days! Guaranteed!” Or something like that. But beware! These bad credit repair systems can end up making your credit worse in the long run.

So what do you do if you’re faced with extreme errors? For instance, a mortgage or car company that keeps reporting your payments as late, even though you’ve caught up (this happened to a friend of mine). These types of dings on your credit can keep you from getting good interest rates, and may even cause you to be turned down flat by lenders! It is estimated that 79% of all credit reports contain errors. That’s a lot of errors and these errors cost Americans millions of dollars in interest every year.

But going head on with a mortgage or auto lender is like the proverbial “tilting at windmills.” Once they ding your credit – they won’t write a letter to the credit bureau retracting it! That would open them up to all kinds of liability issues. This is when you need to seek credit repair legal advice.

But before you seek bad credit repair advice (from an attorney or any other company) we wanted to give you some helpful information so that you can make a more informed decision about what to do.

What Exactly is Credit Repair?

Credit repair is the term that refers to challenging inaccurate, misleading, or unverifiable information on credit reports to improve the credit score.

Is Credit Repair Legal?

Yes, but there are illegal credit repair programs you should be aware of! For example, while it is legal to challenge negative items on your credit reports that you believe to be inaccurate, misleading or unverifiable, the accurate information is supposed to remain on your credit report.

It is also entirely illegal to create a “new” identity by applying for an Employer Identification Number (EIN) to use instead of your own Social Security Number. An EIN number is the number that the IRS gives to a corporation for tax purposes. To use this for credit repair is called file segregation – in order to escape responsibility by hiding one’s credit history. The use of File Segregation is a crime and can result in fines or serious jail time. This is a road you don’t want to go down.

Why Should I See A Credit Repair Law Firm And Not Just Get One Of Those “Do It Yourself” Credit Repair Systems?

First off – major errors are very hard to remove on your own.

A TRUE STORY: I have a friend who filed for bankruptcy in New York. She paid off all her debts and the bankruptcy was discharged. About 6 months later a SECOND bankruptcy filing appeared on her credit, along with a discharge. Then a THIRD one! This made her look like someone who abuses the system (filing for bankruptcy to stop collections, then canceling it without paying her bills). Needless to say her score was absolutely tanked! It took her over 18 months to get just ONE of the mistaken bankruptcies removed. She’s still working on the second one today.

Secondly – these supposed “sure-fire” credit repair systems might ruin your credit! Many of them encourage you to (or claim they will do it for you) challenge everything on your credit (good AND bad). Unfortunately this can result in removing the “good stuff” also. And as any lender will tell you, NO credit history is often times worse than BAD credit history!

A TRUE STORY: I sell cars in Phoenix Arizona and imagine my surprise when I pulled a 52-year old customers credit one day and all that was there was his name! ZERO credit score, ZERO open loans (or closed loans for that matter). He might as well been born yesterday. The thing was, he had an open car loan! So the banks knew he had “washed” his credit, which made him look suspicious. Unfortunately no bank would touch him at any rate of interest so he went home without a new vehicle that day.You may think I made this up because you have been told it wasn’t possible, well, it is possible. I saw it with my own eyes.

This type of credit repair is illegal! If an item is old and questionable, that can be challenged and removed. A good credit attorney will know the difference and keep you out of trouble and get these items removed, thus improving your credit score.

Aren’t There Laws Regulating The Credit Repair Industry?

There are indeed. The most prominent one is theCredit Repair Organizations Act (CROA). This became law in 1996 to protect the public from unfair and deceptive advertising practices in the credit repair industry. Additionally, the Federal Trade Commission (FTC) investigates complaints about credit repair organizations and takes appropriate legal action. Unfortunately it takes them a long time to operate and you could have your credit damaged further by using one of these companies.

Here Is How You Can Avoid Becoming A Victim Of Unscrupulous Credit Repair Companies.

· Avoid any credit repair company that will not tell you your legal rights and what you can do yourself for free.

· Avoid any credit repair company that tells you to relax and let them do it all. In other words, don’t contact the credit bureaus yourself.

· Avoid any credit repair company that tells you they will dispute everything (good, bad or ugly).

Avoid any credit company that suggests creating a “new” credit identity – and then get a new credit report by applying for an Employer Identification Number (EIN) to use instead of your Social Security Number. Remember – This is illegal and can have serious consequences.

Talk to a real credit repair agency. We have an excellent credit law firm on our site that specializes on LEGAL credit repair! I would invite you to go there and see for yourself how they can help solve your problems.

http://www.1-800BadCredit.com provides up-to-date information for people
with bad credit. Providing auto loans, mortgages and refinance options,
credit cards, credit counseling, personal loans, identity theft
protection and advice %26 tips on saving, budgeting and getting out of
debt. Founded by Dewey %26 Leslie Kearney who understand bad credit
because they’ve been there too!
Site dedicated to helping you find credit solutions

What are the best ways to start a credit repair business?

What are the best ways to start a credit repair business?

Answer
I’m waiting for your buddy to post his link to the fraudulent “credit repair” site.
Edit: I was close.A fraudulent “credit repair business” site.

How Did We Ever Operate Business Without Instant Credit Card Processing

May 29th, 2011 by admin

There is good news for businesses today! The new merchant accounts and credit card processing from First Data Independent Sales (FDIS) can help your business begin to accept credit cards from your customers and keep it rolling and humming. In today’s fast moving world, doing business using a wireless, Internet merchant account in accepting payment from customers becomes essential to a cashless transactional world.

Customer satisfaction and instinctive purchasing increase when business establishments are able to entertain credit card payments, ATM and debit cards, and check payment processing. This, in turn, increases the volume of sales and business a hundred-fold, turning any form of business endeavor into an instant success.

Instamerchant is a comprehensive service provider that caters to merchant accounts and credit card processing and business solutions. It gives the opportunity for businesses to accept and process credit card payments at any given point-of-sale, such as retail stores, over the Internet, or even at satellite business locations.

For businesses located on the web, several providers offer a package with merchant account and credit card handling methods which include online merchant accounts and an Internet virtual payment access. Aside from being able to process credit card payments at minimal costs, you also get to apply and set-up your business accounts for free.

There are a host of reasons to opt for Instamerchant and its services. It has its beginnings since 1988 and has had stable and satisfactory transactions ever since. Its card merchant account services have very eminent approval rates, and problematic credit situations are offered viable solutions. The processing rates of credit cards are attractively low and affordable, and its customer support service is available 24 x 7 x 365, meaning round-the-clock, daily, and the whole year round. Besides, funding of accounts can be made available within 48 hours of processing. On top of these, application and account set-up is made absolutely free-of-charge for the business executive or entrepreneur.

There is a wide array of services provided to the thriving businessman, from online merchant accounts, to credit card machines and account verifiers, to Internet payment access, which can very much assist your business in setting up a viable merchant account credit card processing facility.

Instamerchant offers the Internet merchant account which enables business establishments to accept credit card payments online facilitated by the First Data Global Gateway payment gateway. With the Internet merchant account, the business establishment is afforded with an online virtual terminal that could process credit card payments anytime and anywhere over the Internet. It also affords the business with HTML tags on its own web page to facilitate credit card payments made directly to the business establishment’s website.

Some also provide retail merchant account facilities, where credit card payments are processed utilizing card swipe credit card machines that come in handy, especially for retail store set-ups. Wireless accounts can also be provided for accepting off-site credit card payments which can reach a wider customer base and therefore give more business volume and accept and process electronic check payments from your customers to facilitate sales.

Visit us for more information on accept credit cards , merchant account and card merchant account

How come “instant approval” credit cards are never instant approval?

Is it because that means I got denied?
Are there any good credit cards that will approve me with not so good credit? that I could get today?
Hey DICKnose- I’m at work so I have 8 hours day to ask as many questions as I want. YOU’RE the one taking the time to count my questions- that’s pathetic

Answer
I work as a credit card analyst, manually reviewing credit reports to determine whether or not to approve or deny credit line increases, APR decreases, and general applications for credit, and I thought that you asked a pretty interesting question that I’d like to answer based upon not only my professional, but personal experience as well.

The only time that “instant approval” is “instant approval”, is when you have A-1 credit. The more credit problems you have, the less likely that “instant approval” will be so instant. There’s a lot of factors that are involved with that. Most times when you get those “pre-selected” or “pre-approved” offers in the mail, the offers are based on a general profile that your credit history may fall under, which is fairly generic, since in order to get approved you have to formally apply, and your credit is actually reviewed.

To answer your question about whether there’s a good credit card that will approve you, honestly, cards like that are few and far between, especially with the way the industry’s taken a beating (trust me, I see it everyday), and the best option in your case by far and away would be a secured credit card. These are the easiest credit cards to get, mainly because a collateral deposit is reuqired upfront in order to establish a matching credit line. For example, if you deposit $300, then your credit line would be $300. With a secured card, you use your own money to assume the risk, and once you prove you’re creditworthy, the deposit is given back sometime later on.

Hopefully, my answer can help shed some light on your situation….

Thanks for reading