Archive for February, 2012

Credit Reports: Mistakes and inaccurate information

www.onecallcreditrepair.com 1-888-586-4914 Errors? On credit reports? Yes, as it turns out, the credit bureaus are fallible, just like the rest of us. But don’t blame them. They manage an enormous amount of data each day, and even under the best circumstances, errors are bound to occur. The fact is, the credit bureaus make every effort to verify the data that’s reported to them by your creditors. But at the end of the day, the bureaus report the information they receive from your creditors. Miss a payment on that new boat? The credit bureau doesn’t know to report it until the company financing your boat makes them aware of it, and this is where many errors occur. Hiring a law firm to repair your credit can dramatically increase your chances of success. The credit bureaus exist in large part to support finance companies and lenders in determining credit worthiness and without the data reported to them by these very same companies, there wouldn’t really be any credit bureaus. All the same, the information that’s contained in your credit reports is used to determine your lifestyle, with complete disregard to you as a person, whether you like it or not. The truth is, in financial terms you are only as good as your credit score. But you can repair your credit, and fix any errors that may be on your report, and change your financial standing, and your financial future, in the process. Welcome to One Call Credit repair. Whether you’re in Collections, have late Payments, Charge
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Malman Law Announces Most Successful Year


Malman Law Announces Most Successful Year

Malman Law

Chicago, Illinois (PRWEB) January 06, 2012

Things are looking up at the Law Offices of Steven J. Malman & Associates PC, in every possible way.

The Chicago-based firm’s 17th year proved to be its most successful, according to founding partner Steven Malman, who today announced that his personal injury-focused firm not only expanded its professional staff in 2011 – adding four new attorneys, several paralegals and other administrative staffers – but set new records in the number of new cases taken and cases successfully resolved, and in the total valuation of recovered settlements.

“This was a banner year,” Steven Malman said. “By taking on and winning more cases than ever in our history, Malman Law was able to deliver some impressive settlements and, more importantly, some justice and peace of mind for our many clients.”

The founding partner partially credited Malman Law’s success to a strong advertising campaign and an unprecedented level of word-of-mouth referrals. His firm is “probably the second-largest television advertiser in Chicago, and probably the largest Internet advertiser,” he aforesaid, while “a good third of our business is referrals from existing clients, and I can’t think of a better endorsement.”

But the No. 1 reason for Malman Law’s big year (and all those personal referrals) is the firm’s total dedication to customer service, he added.

“We have great customer service that makes it as easy as possible for our clients,” Steven Malman said. “For instance, we’ll go out to see clients so they don’t have to come to us. And we’ll always put their needs first and address their concerns as best we can. This is an unbelievably dedicated staff, including the recent hires and those who’ve been with me for years, and they really do care about every client’s wellbeing.”

It’s no surprise that Malman Law enjoyed such a successful year. The firm is rated A-plus by the Better Business Bureau, which accredited Malman Law in September 2011, and is a member of the Top Trial Lawyers of America’s Million Dollar Advocates Forum. It has successfully resolved over 8,000 cases since 1994, including numerous seven-figure settlements.

The firm divides its time and energy into three basic areas: A third of its resources is dedicated to cases of neglect and abuse in nursing homes; a third is focused on worker’s compensation claims; and a third concentrates on automobile accidents, dog bites and every personal injury claim in between.

While the firm has achieved much success going after neglectful nursing homes, Malman cited a large uptick in worker’s compensation claims – a side effect of the Great Recession – as one of the biggest factors in Malman Law’s triumphant year.

“Our worker’s compensation efforts have gone very well,” the attorney said. “Ironically, that’s because of the high total of layoffs due to the recession. People become more inclined to pursue worker’s compensation claims when they lose their jobs – they file claims they were previously afraid to file, because it might cost them those jobs. Since the statute of limitations is three years from the date of the accident, after people lose their jobs, they pursue a lot of older cases … and we’ve been able to win several of them on behalf of clients who really deserved it.”

The new staff Malman Law enrolled in 2011 has been busy. This year, the firm created several focus teams to address specific legal needs, including a Nursing Home Team – an elite squad of attorneys and administrative staff concentrating on cases of abuse and neglect inside Chicago-area elder-care facilities – and the 24/7 Rapid Response Team, widely admitted as Chicago’s foremost 24-hour hotline staffed by licensed attorneys.

The firm also now boasts several uniquely qualified staffers, including a former physician (and law school graduate) who provides expert medical reviews and a former defense attorney who previously represented nurse homes, giving Malman Law a tactical advantage against poorly run care facilities that try to bend regulations to cover their liabilities. The Law Offices of Steven J. Malman & Associates PC also physically expanded in 2011, taking an additional 1,500 square feet inside its West Randolph Street location to accommodate the new hires.

Already planning further staff additions, including “at least” two new attorneys and several paralegals, the firm’s flopped is anticipating another big year in 2012.

“We’re very pleased to be able to bring these considerable resources to bear on each and every case,” Steven Malman said. “The personal glory, the high-water marks for cases and settlements, all of that is very nice, but in the end, it’s about proving the best legal services and customer services we can.

“That’s why we had such a strong year, and why we’ll continue to perform well in the future,” he
added. “Our success is all about our clients’ success.”

About Malman Law
A graduate of the University of Iowa and the School of Law at Loyola University-Chicago, attorney Steven J. Malman has been practicing law for 20 years. Since the Law Offices of Steven J. Malman & Associates PC launched in 1994, it has successfully resolved over 8,000 cases – principally in the areas of workers’ compensation and personal injury – and achieved a 95-percent out-of-court settlement rate, including numerous seven-digit personal injury verdicts. Malman Law is one the most successful firms serving Illinois’ Lake, Dupage, Will and Cook counties.

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What is the Best Credit Bureau / Credit Repository?


What is the best credit bureau to get your annual credit score? The Big Three… But what bureau has the highest score? what bureau has the middle score? can you tell before you access the repository? check out this video to find out what I have found during the last 22 years in the credit business. What is the best credit bureau?
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TransUnion Credit Dispute – 3 Ways To Dispute Trans Union Credit Reports


improveyourscore.org TransUnion Credit Dispute – this includes mailing a letter to the TransUnion credit reporting company or using their online form for filing disputes. The fcra gives 30 days for TransUnion to look into the xxx dispute claim and come to a conclusion on the situation. You will next receive the written results and a no charge copy of your credit score report whether any changes have been made.
Video Rating: 1 / 5


How I fought back Capital One Lawsuit and won


Brachfeld & Associates, a collection law firm filed Lawsuit against me in Dec 2008. They were representing TSYS/Natonal Attorney Network. TSYS (Total System solutions) is the debt collection servicing company for Capital One, who assigns attorney through their National Attorney Network to file Lawsuit against debtor. But Brachfeld and Associates named Capital One as plaintiff, which is a fraud. TSYS recently bought by NCO Group Inc. Capital One was unable to produce documents I demanded and prayed for DISMISSAL of the case. Since then Capital one is deliberately PARKING my account to Brachfeld and Associates, a law firm, even though they lost case. This is an attempt by Capital One to scare and mislead Cardholder that a lawsuit is in progress from a law firm. Capital One’s this false and misleading act is in violation of Fair Debt Collection Practices Act § 807 (3). CAPITAL ONE IS ALSO ILLEGALLY REPORTING MY CREDIT CARD AC # 5178-3897 TO 3 CREDIT BUREAUS IN VIOLATION OF FEDERAL CREDIT REPORTING ACT § 603 (d)(2). There exists no written, oral or electronic evidence of any signed credit card agreement between me and Capital One that authorizes them to to report me and the account to credit reporting agencies
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Dealing with Credit Reporting Agencies


Credit bureaus can be a pain, but knowing how to deal with them is important. The way to stay on top is to persist in correcting and controlling the information they maintain about you, as this video explains. Money and credit matters can be confusing, especially if you’re new to the subject and don’t really know what you’re doing. What is credit and what are credit-reporting agencies? Here are a few thoughts that may help. Credit is, first of all, your financial reputation, or the credibility and reliability you have as a consumer. There are three primary credit reporting agencies in the United States: Equifax, Experian, and Trans Union. These agencies track activities you take that have an affect upon your finances. The information they track ends up in what is called a credit file. Your credit file can be accessed by employers, lenders, or any other qualified person so they can make decisions regarding your financial reputation and reliability. The key to dealing with credit-reporting agencies is to stay aware of the information they have and keep them updated on what you’re doing. If you discover some of the information in your credit file is incorrect, it’s up to you to correct it. Make the necessary calls and remedy your report so it’s accurate. Dealing with credit reporting agencies may be a hassle with some long phone calls and time on hold, but the way to prevail is to stay proactive and aware of what’s going on with your credit report.


rebuild score happy customer.wmv


This video is a customer that has bought the book Rebuild Score. She has increase her credit score to save herself thousands. The book can help you even if you have perfect credit it will show you how to increase your score. You could be paying more for your car insurance because of your credit score. Learn how to get all three credit bureaus for free.
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Announcing the Launch of Beacon Hill Career High School


Announcing the Launch of Beacon Hill Career High School

Pensacola, FL (PRWEB) January 10, 2012

Dr. Howard Liebman, CEO and Superintendent of Smart Horizons Career Online Education (SHCOE), is delighted to denote that SHCOE is partnering with Weston Distance Learning, Inc., to launch Beacon Hill Career High School.

Based in Pensacola, Florida, SHCOE is the world’s first AdvancED/SACS accredited online school district. Over the past year, SHCOE has collaborated with key institutions in the field of post-secondary online education to establish new online high schools that enable adult learners to earn their high school diploma in addition to a credentialed career certificate.

Located in Fort Collins, Colorado,Weston Distance Learning, Inc., is one of the largest distance-learning education institutions in the nation. Weston’s three schools include U.S. Career Institute, McKinley College, and At-Home Professions. Each school provides eminent-quality, relevant programs specifically design to allow adults to reach their education and career goals.

“Weston has long been aware of our country’s serious crisis when it comes to high school dropout rates,” said Ann Rohr, President of Weston Distance Learning, Inc. “According to the U.S. Census Bureau, approximately 35 million adults above 18 years of age do not have a high school diploma—a key factor in lifetime earning potential. In response to this crisis, we are extremely excited to open Beacon Hill Career High School. Our 30 years of educational experience will help us equip students with a quality, accredited high school education, as well as the knowledge and skills necessary to succeed in postsecondary education.”

Beacon Hill Career High School is a SACS-accredited high school offered entirely online. Its programs enable students to complete their high school diplomas while simultaneously earning a credentialed certificate in career areas such as child care, office management, homeland security, transportation services, protection officer services, and general career skills.
“We are thrilled to be partnering with Weston Distance Learning to launch Beacon Hill Career High School,” said Wendy Kauffman, Chief Operating Officer for SHCOE. “Some students who contact Weston Distance Learning lack the required high school diploma to enroll in Weston’s postsecondary programs. Through our partnership, students can earn their high school diploma and then continue on to pursue their higher education goals.”

“This partnership is an ideal educational alliance,” continued Kauffman. “Both Weston Distance Learning and SHCOE are consecrating to serving adult learners returning to school, and both organizations are focused on student retention, student support, and the delivery of exceptional educational programs. I have been very impressed with Weston Distance Learning’s passion for education and the quality of their academic programs.”

About Smart Horizons Career Online Education
Smart Horizons Career Online Education , founded in 2009 and located in Pensacola, Florida, is a private, AdvancED/SACS accredited online school district. AdvancED/SACS District accreditation signifies that SHCOE and all of its schools are fully accredited and that SHCOE is recognized across the nation as a quality school system. Smart Horizons Career Online Education offers 18-credit, career-based high school diploma programs that are designed to prepare students for entrance into the workplace. Career certificate offerings include Childcare Education, Office Management, Protection Services, Homeland Security, Healthcare (coming soon) and Transportation Services. For more information, visit our Web site at http://www.shcoe.org , call our office at 855-777-4265 or email our office at enrollment(at)smarthorizonsonline(dot)org

Contact: Dr. Howard Liebman, Smart Horizons Career Online Education, CEO & Superintendent – 305–962–6489 OR hliebman(at)smarthorizonsonline(dot)org

About Weston Distance Learning
Weston Distance Learning Inc. has over 30 years of distance education experience for the adult learner. WDL is the parent company of three distance education schools: U.S. Career Institute, McKinley College, and At-Home Professions. Weston’s three schools are approved by the Colorado Department of Higher Education, Division of Private Occupational Schools in addition to various other approval agencies. U.S. Career Institute, McKinley College, and At-Home Professions are nationally accredited by the Distance Education and Training Council (DETC). All three schools are approved for military education benefits. Weston’s schools offer career and degree education in various specialties such as healthcare administrative support, business administration, accounting, fashion merchandising, social serving, marketing, human resources, bookkeeping, criminal justice, fitness and nutrition, dental assisting, insurance claiming, massage therapy, medical assisting, paralegal analyzing, patient care, pharmacy tech studies, veterinarian assisting, and marrying/event planning.

Contact: To schedule an interview with Ann Rohr, call Jennifer Eyden at (800) 347-7899, ext. 4515, or email Jennifer at jennifere(at)westondistancelearning(constellating)com.

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CreditScoreDirect Tri-Bureau Monitoring: A Monitoring Service for the 21st Century


Identity fraud is the fastest growing crime in America, today. As technology is expanded, identity thieves become more sophisticated in using your information against you. In 2009, there were 11 million victims of identity theft in the US alone-costing Americans a whopping Billion in lost funds! In 2010, it is estimated that one in 20 Americans risks being a victim of identity theft. Can you afford to lose money? Probably not. So how do you protect yourself? You could spend time every day laboriously monitoring your bank and credit card statements checking for unusual activity, worrying that it may not be enough. (show the image name “pile of papers”) Or, you could feel safe and employ the services of CreditScoreDirect Tri-Bureau Monitoring, a state-of-the-art system which will monitor your credit reports on a daily basis with all three credit bureaus.
Video Rating: 5 / 5


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