Credit: Understanding Credit Reports with Jeremy Drobeck


blog.amerifirst.com Credit reports and your rights: you can pull your credit report once a year from each of the 3 credit bureaus. It’s your right, and it’s a good idea so you can keep an eye on your credit report. But the score you may see might not be the same score that gets reported to a mortgage consultant. Jeremy Drobeck with AmeriFirst Home Mortgage helps first time home buyers understand credit reports in this Mortgage Minute TV. Jeremy at AmeriFirst: www.1stclassmortgageservice.com Credit Reports: www.annualcreditreport.com Opt Out Prescreen www.optoutprescreen.com Music www.danosongs.com
Video Rating: / 5


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Rasmussen College Launches New Programs At North Dakota Campuses


Rasmussen College Launches New Programs At North Dakota Campuses

Bismarck, ND (PRWEB) November 16, 2011

Rasmussen College today announced the launch of three new programs: the Information Technology Management degree, Human Resources and Organizational Leadership degree, and Marketing degree that are now available to prospective students at its Bismarck and Fargo, North Dakota college campuses. Enrollment is going on now and classes begin January 3.

The new courses of study at both campuses include:

Bachelor’s degree in Information Technology Management Diploma, Associate’s and Bachelor’s degree programs in Human Resources and Organizational Leadership Diploma, Associate’s and Bachelor’s programs in Marketing

“We’ve seen a growing demand for these kinds of professional skills in the North Dakota markets as the employment landscape continues to shift toward a knowledge-based economy,” said Rasmussen Fargo Campus Director Betty Largent. “We are dedicated to satisfying the demands of both employers in the region by turning out highly skilled workers to meet their needs, as well students, by offering flexible scheduling options that allow them to balance work, life and education.”

In 2010, the U.S. Bureau of Labor Statistics forecast a nearly 25 percent jump in the number of jobs for network and computer systems administration and more than 50 percent growth in for network systems and data communications analysts, pointing to the strong career opportunities available in the IT field alone. Human resources and associated job roles are predicted to grow by as much as 28 percent over the same time period. Meanwhile, the explosion in digital marketing and social media marketing is driving strong demand for qualified candidates with the modern skills and knowledge necessary to capitalize on these new frontiers.

In addition to on-site programs, both the Marketing and Human Resources and Organizational Leadership programs are also available fully online through Rasmussen’s regionally accredited Fargo/Moorhead campus. Students enrolling in any of the new programs will benefit from Rasmussen’s flexible credit transfer policies that help students who have previously begun taking course work to get back on the road to higher education and complete their degree in a timely manner.

For additional information about the new programs or Rasmussen College, visit http://www.Rasmussen.edu.

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3 Tips for Credit Explanation Letters


Lots of folks have bruised credit these days. Recovering from it is a real art –all the way down to explaining how you got off track with your finances. Listen in for 3 easy steps for writing your own letter to quickly and easily explain the details of your circumstances. Then visit our website for a complimentary download a PDF version of the letter mentioned in the video. Get it here at www.CompleteMortgageProcessing.com.


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Debt Management Tips : How to Fix Bad Credit


Fixing bad credit involves getting a copy of all three credit bureau reports and addressing any errors by writing letters to each bureau about the situation. Correct bad credit issues by building a relationship with current creditors with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey
Video Rating: 2 / 5


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29th Annual National Continuing Legal Education Conference Offers Attendees Expert Speakers in Eight Areas of Law


29th Annual National Continuing Legal Education Conference Offers Attendees Expert Speakers in Eight Areas of Law

Snowmass Village, CO (PRWEB) November 11, 2011

They are not just your ordinary legal professionals and come from all over the world, sharing their legal experience and expertise to attendees. Additionally, many of the moderators and presenters have been involved with the conference for more than 20 years. These are the moderators and speakers for the National Continuing Legal Education Conference (CLE) which will be held in Snowmass, Colo., January 4-8, 2012.

Take Andrew Demetriou, an attorney from Los Angeles specializing in institutional health care. Demetriou is an active member of the American Bar Association having served as the former Chair of the Health Law Section, Vice-Chair of the American Health Lawyers Association Sarbanes-Oxley Task Force and responsible for monitoring governance developments of interest to healthcare lawyers and institutions. Demetriou has been involved with CLE since the early 1990’s. “CLE is a loyal group of familiar faces that presents an unbelievable quality of speakers and audience, said Demetriou. “The Health Care Law speakers will present the cutting edge issues that affect health care today.” Demetriou’s health care law co-moderator Tony Patterson, who has been in the fraternity of health law for many years, has written numerous publications and given many speeches on current topics of health care law. According to Demetriou, hot topics at this year’s conference include health care reform featuring speaker Robert Roth, a partner with Hooper, Lundy & Bookman, P.C. in Washington, D.C., who is an expert on current matters arising under Medicare and Medicaid, focusing on payment, compliance, and licensing issues. “We will also have a forum on the developments and current trends of health care fraud,” said Demetriou.

New York attorney David Bernstein, will co-moderate the Intellectual Property (IP) program. “One IP focus will be on the patent side of information, with expert speakers including Chief Administrative Patent Judge from the US Patent and Trademark Office, James Smith, who will discuss current patent legislation,” said Bernstein. Bernstein has been involved with CLE for over 14 years and says that IP is the biggest section of the conference and the section has some impressive presenters who will discuss the hottest developments in trademark and copyright law. Bernstein sees a loyality in the CLE attendees. “The 7:00 a.m. CLE programs are very well attended—then those same attendees show up for last session too. So everyone comes to every session which is very impressive for a legal conference,” said Bernstein. He is also impressed with the quality of speakers. “These are active program planners, IT professionals, trademark experts—all cutting edge speakers,” said Bernstein. “And there is a high return rate of attendees who attend CLE to learn about all the current IP topics.” According to Bernstein, another legal hot topic for IP is social media. “We will have an internet forum consisting of experts from Yahoo! Inc, eBay, Microsoft Corp., and IBM, just to name a few heavy hitters,” he said. “If attorneys go to only one legal conference a year, the National CLE Conference is definitely the one they need to attend.”

For the Real Estate/Sustainability section, we go to Seattle, Wash., attorney Charles Wolfe, a cutting edge expert in land use and environmental law and permitting. Wolfe has been involved with CLE since the late 1990’s. “Our section will focus on real estate, land use law, issues, zoning, and clean water issues in a post recession economy,” said Wolfe. “We have a diverse faculty on environmental law consisting of environmental law consultants and developers along with attorneys specializing in real estate law.” Wolfe stated that the real estate section is an interesting legal track composed of competitive themes for real estate land regulation, new federal environmental laws and regulations.

But not all the moderators are attorneys and are experts in their field like Labor & Employment moderator Timothy Darby who acquires, develops and oversees the publication of legal treatises for The Bureau of National Affairs, Inc. (BNA) books. “We have many journalists at BNA and the largest number of reporters covering Congress and government agencies of any news group in the country,” said Darby. “For CLE we have a cross-section of speakers during the program so that the various constituencies can present their different perspectives on various areas of the law in constructive interactions which allows for very sophisticated presentations.” According to Darby, the Labor & Employment program is unique in that there are well defined interest groups of attorneys who don’t tend to overlap their practice areas, for example; the defense side, plaintiff and union attorneys, arbitrators, mediators and judges who will discuss effective and ineffective litigation tactics and how they handle various types of issues that arise during litigation.

The National CLE conference offers eight areas of law; bankruptcy; civil litigation; employee benefits; family; health; intellectual property; labor & employment and real estate/sustainability all presented and moderated by experts in each field. CLE participants are able to accumulate 16 to 22 credit hours while enjoying the world class ski resort of Snowmass, Colo. For more additional information or to register for the National CLE Conference, go to http://nationalcleconference.com or call 303-860-0608. The National CLE Conference will be held at The Silvertree Hotel and Conference Center in Snowmass.

About Snowmass Tourism Groups & Meetings
The year-round resort town of Snowmass Village, Colorado is located nine miles from Aspen, Colorado. Snowmass is accessible by the local Aspen/Pitkin County airport and three regional airports. Top-of-the-line conference equipment and facilities, economy to luxury guest rooms, free local transportation, countless summer and winter activities and superior guest experience characterize Snowmass Village resort. With Recent investment of $ 1 billion in the ski area, basal village, and new lodging properties with meeting space, Snowmass is ideal for meetings and conferences, ski and social groups, corporal withdrawing and business guests. For additional information go to http://www.snowmassgroups.com or call 1-800-598-2006.

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Free Credit report USA | Credit Report Free | USA Credit Score


►►►►tinyurl.com Get your free Credit score Online◄ Credit Rating ◄Top3 credit bureaus. (3 bureau credit report)(3 bureau credit score) (3 credit reporting agencies)(3 credit scores) (3 in one credit report)(3 major credit bureaus) (a credit report)(a credit report)(annual…



Now a days having good credit is everything, sometimes more important than having actual cash. We all know it’s important to check your credit every 6 months or so. Well Equifax and Truecredit.com have launched monitoring services that will alert you when something negative or positive changes on your credit report. Truecredit.com even goes a step further and will actually let you run your credit report an unlimited amount of times for only .99 per month.

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All Inclusive Outlet Announces an 11-11-11 Sitewide Sale on All Resorts, Plus Exclusive Deals on Two Favorites and a Free Gift


All Inclusive Outlet Announces a 11-11-11 Sitewide Sale on All Resorts, Plus Exclusive Deals on Two Favorites and a Free Gift

Lexington, KY (PRWEB) November 08, 2011

All Inclusive Outlet, a high-discount travel agency specializing in all inclusive vacations in the Caribbean, Mexico, Costa Rica, and Panama, announces a sitewide 11-11-11 Sale. On November 11, 2011, all resorts in its product line will have added discounts on top of everyday low rates. In addition, All Inclusive Outlet’s 11-11-11 Sale features unbeatable rates for El Dorado Casitas Royale and Azul Fives Hotel, by Karisma, in Riviera Maya, Mexico. These rates can’t be found anywhere else.

“Our 11-11-11 Sale is one of our biggest sales of the year,” told Tom Carr, President of All Inclusive Outlet. “With our added dismissed, the sale allows travelers to take prefer of some great deals for 2012 travel. Plus, El Dorado Casitas Royale and Azul Fives are some of the nicest resorts in Riviera Maya.”

Travelers can book vacations to favorite Caribbean destinations, such as Jamaica, the Dominican Republic, the Bahamas, Aruba, Antigua, Barbados, Curacao, St. Lucia, St. Thomas, Turks and Caicos, St. Croix, Grenada, and locations in Mexico, such as Cancun, Riviera Maya, Cozumel, and others. Popular Central American countries include Costa Rica and Panama.

For those looking to travel to one of Mexico’s better vacation spots, the deals to the adults-but El Dorado Casitas Royale and the family friendly Azul Fives on 11-11-11 do it an outstanding time to book. Save 45% on these resorts when you rest between January 3, 2012, and April 30, 2012. Stay seven nights for the price of four. At El Dorado Casitas Royale, guests can likewise move advantage of $ 500 in resort credit, and at Azul Fives Hotel, kids rest gratuitous. Rates are uncommitted for complimentary on AllInclusiveOutlet.com or through an All Inclusive Outlet Travel Consultant, and the ignored rates will be reflected in any price quotes had on November 11, 2011.

In addition to excess low rates at over 250 resorts, All Inclusive Outlet is giving away a free gift in time for Thanksgiving. Travelers who book on 11-11-11 will receive a $ 20 Voucher for a Butterball® turkey. All Inclusive Outlet will also be making a donation to a local food bank as a way to give back to the community in the spirit of the holiday season.

All Inclusive Outlet is known for its incredible prices with no hidden service fees, remarkable service, experienced staff, and amazing vacation destinations. With an A+ rating with the Better Business Bureau since 1999, many travelers with All Inclusive Outlet are repeat customers. And with First Contact Service, All Inclusive Outlet provides the personal touch of a specially assigned Travel Consultant for each booking. Travel Consultants contact every client to answer any question or assist with the vacation plans.

For complete details about the sale or to book online, visit http://aio.tc/s/173.

For more information about All Inclusive Outlet, see http://www.AllInclusiveOutlet.com, or call 888-403-2822.

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Nonprofit Credit Counseling Agency Provides Tips to Help Consumers Check Accuracy of their Credit Reports


Nonprofit Credit Counseling Agency Provides Tips to Help Consumers Check Accuracy of their Credit Reports

Deerfield Beach, FL (PRWEB) November 30, 2011

Debt Management Credit Counseling Corp. http://www.dmcconline.org, a nonprofit credit counseling organization (“DMCC”), announced today they provide tip for consumers to maintain accurate information on credit reports in order to receive the best credit rating, services and interest rates from lenders. As more consumers are struggling to find employment, it is their credit reports that may distinguish two candidates apart. It is estimated that 50% of all consumer credit reports contain at least one error. Many errors result from the incorrect reporting from creditors to the credit bureaus, including nonpayment or late payments, misfiling by a department store credit line, a mix up betwixt family members with the same name, and accounts opened without the consumer’s approval by someone committing identity theft.

To commence the process of withdrawing erroneous information from a consumer’s credit reports, DMCC first recommends obtaining the three costless credit reports from AnnualCreditReport.com. This is a procure site where consumers can have a complimentary credit report from each of the credit bureaus, Experian, Equifax and TransUnion once every twelve months. “Be weary of other sites offering liberating credit reports. Typically there is a catch such as having to sign up for a service” states Jessica Stokes, Education and Research Coordinator for DMCC. If errors are found, consumers should write a letter to the credit bureaus stating what specifically needs to be removed. Copies of this letter need to be certified mailed with return receipt requested to the creditor who reported the inaccurate information and each of the credit bureaus reporting this erroneous information.

“Monitoring your credit reports carefully to make sure the erroneous information is removed, is imperative,” stated Stokes. “Consumers need to place importance on following up on all disputed items to make sure when their credit report is subsequently pulled, creditors will be looking at accurate information.” Stokes teaches about the importance of maintaining records for everything. “Keep copies of all mail relating to the situation and write down names and phone numbers”. DMCC also advises to be patient. The dispute process can take months as the credit bureaus deal with millions of disputes on an ongoing basis. Consumers planning to finance a large purchase are advised to order their credit reports at least 90 days in advance in case there are errors that need to be corrected. For a sample letter to send to the creditors and bureaus, visit DMCC.

It is important to note that only inaccurate information may be removed from credit reports. It is illegal to dispute information that is correct. Consumers can read about their rights to dispute inaccurate credit report information under the Fair Credit Reporting Act. Consumers with credit card accounts that are past due may want to consider enrolling the accounts in a debt management plan provided by a credit counseling agency licensed in the state they reside. Debt management plans typically provide lower monthly payments for consumers and some of the major creditors will re-age past due accounts and report them as current to the credit bureaus after the first couple plan payments are made.

About Debt Management Credit Counseling Corp.

DMCC is a nonprofit 501(c)(3) public charity committed to educating consumers on financial issues and providing personal assistance to consumers overextended with debt. Education is provided free of charge to consumers via seminars, workshops, a proprietary financial literacy program, and a vast array of online and printed materials. Free personal counseling is provided to consumers to identify the best options for the repayment of their debt. Consumers interested in speaking with a DMCC certified credit counselor may call (866) 618-3328 or request help at dmcconline.org. DMCC is a HUD Approved Housing Counseling Agency, is approved by the U.S. Trustee to provide bankruptcy counseling and education, and has an A+ rating with the Better Business Bureau.

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?And to All a Free Night” Holiday Offer Returns to 10 Hotels in Beverly Hills


“And to All a Free Night” Holiday Offer Returns to 10 Hotels in Beverly Hills

Beverly Hills, California (PRWEB) November 08, 2011

This holiday season, Beverly Hills will dazzle the senses with an unprecedented display of festive décor and enchanting activities in and around the Golden Triangle. With enticements like the Sparkle 90210 event series, a Swarovsky Elements interactive display on Rodeo Drive, and Santa and Mrs. Claus sightings around town, it’s an ideal time to visit the city. Making the timing even more fitting is Beverly Hills Conference & Visitors Bureau’s announcement of the return of “And to All a Free Night,” available at ten hotels in the city.

There has never been a better time to book a vacation to Beverly Hills. In addition to the activities and decorations planned to capture the holiday spirit, “And to All a Free Night” gifts visitors a free night and holiday libations, with the purchase of two or three nights, at participating hotels between November 1, 2011 and January 8, 2012. New this year, hotels are adding extras like generous restaurant or spa credits, access to a personal shopper and free transportation. In addition, each “And to All a Free Night” package includes an exclusive shopping card, courtesy of Two Rodeo Drive, with deals at restaurants, art galleries and boutiques in the charming shopping center. Plus, in celebration of Sparkle 90210, the first 200 guests to book the package and complete their stay will receive The Helix Pendant – a Swarovsky Elements necklace inspired by the crystal display illuminating Rodeo Drive.

While in town, visitors can take part in an array of magical happenings including Sparkle 90210, a spectacular event featuring shimmering snow falls, glowing entertainment and horse drawn carriages, taking place on select Thursdays and Fridays in December (5 – 8pm); Ovo Family Days, a Cirque du Soleil celebration that is fun for the whole family, happening December 3 and 17 (10 am – 1 pm) at Beverly Cañon Gardens; and Santa and Mrs. Claus visits at The Paley Center for Media and Two Rodeo Drive. And beginning November 21st, Rodeo Drive is inviting the world to tweet holiday messages that will scroll along a Swarovsky Elements adorned installation, offering holiday cheer to all. See all holiday happenings at http://www.lovebeverlyhills.com/sparkle.

And to All a Free Night Details:
All offers include complimentary Two Rodeo Drive Shopping card. First 200 guests also receive Swarovsky Elements’ The Helix Pendant.

3rd Night Free Hotels:
Avalon Beverly Hills – Two complimentary White Out cocktails and complimentary breakfast for two. Rates start at $ 290 per night.

L’Ermitage Beverly Hills – Two complimentary Reindeer Games cocktails and complimentary breakfast for two. Rates start at $ 425 per night.

Luxe Rodeo Drive Hotel – Two complimentary Shopping Galore cocktails upon arrival and continental breakfast for two. Rates start at $ 309 per night.

The Peninsula Beverly Hills – Two holiday champagne cocktails, $ 100 food and beverage credit, and complimentary use of the house car within the vicinity of Beverly Hills or Century City. Rates start at $ 665.

Thompson Beverly Hills – Two classic champagne holiday cocktails upon check-in and daily continental breakfast for two. Rates start at $ 219.

4th Night Free Hotels:
The Beverly Hills Hotel & Bungalows – Two complimentary Rosemary Sidecar Cognac cocktails upon arrival and complimentary transportation to and from the Golden Triangle. Rates start at $ 665.

The Beverly Hilton – Two complimentary The Beverly Hilton Startini cocktails upon arrival; one 50-minute Peppermint Facial at a discounted rate of $ 120 and complimentary transportation within the Golden Triangle. Rates start at $ 285.

Beverly Wilshire, A Four Seasons Hotel – Two complimentary Apple Cinnamon Infused Ultimat Vodka cocktails upon check-in and complimentary transportation within the Golden Triangle. Rates start at $ 420.

Montage Beverly Hills – Two complimentary Calabaza Patch cocktails upon arrival and a complimentary personal shopper consultation with in-house stylist, Joe Katz. Rates start at $ 595.

The Mosaic Hotel – Two gratis Eggnog Martinis and complimentary daily breakfast for two (up to 4 days). Rates start at $ 340.

Package Terms and Conditions: Valid November 1, 2011 – January 8, 2012. Rates will vary based on room type and availability. Package cannot be used in combination with other promotions. Taxes and gratuities are not included. Restrictions and blackout dates may apply. Swarovsky Elements necklace available to the first 200 individuals to book and stay in Beverly Hills for the And to All A Free Night package. The gift is redeemable at check-in and available on a first come, first served basis.

About Beverly Hills
Beverly Hills is one of the world’s most sought-after locales. Centrally located in greater Los Angeles, Beverly Hills is a premier vacation and business travel destination, boasting beautiful year-round weather, acclaimed full-service and boutique hotel accommodations, sumptuous dining, world-renowned designer boutiques and incomparable shopping. Synonymous with Hollywood glamour, Beverly Hills enjoys an international reputation as the home and playground of A-list movie stars. The city is not only known worldwide for its grand mansions and chic shops along Rodeo Drive, but also for its multitude of art and architecture, spas and salons, and walkable drives. Learn more at http://www.lovebeverlyhills.com or on Facebook and Twitter.

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Can I See my Credit Report?


Everyone is entitled to get a free copy of their credit report once a year from each of the three credit bureaus: Experian, Equifax, and Trans Union. To get your free credit reports, go to annualcreditreport.com, or write a letter requesting your credit report (you can find the form at Rocket Lawyer).


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