Credit report and credit score repair can be accomplished by suing your creditor. (The credit bureaus are harder to sue.) A credit report small claims court suit for failure to remove inaccurate items from your credit report is easier.
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Credit Report Repair: Strategy #5 Sue Creditors
April 16th, 2012 
admin Top 3 Credit Cards for Fair Credit
April 13th, 2012 admin
Top 3 Credit Cards for Fair Credit
Article by Aubrey Clark
Credit card issuers are reacting to the recent trend of lower credit scores across America. In the wake of the current mortgage crisis consumer’s credit scores have been steadily falling in certain segments of the population. This means that the competition for credit cards for fair credit is heating up between the bank issuers and this means better deals for consumers. We have outlined, what we feel, are the best credit cards for fair credit on the market below.
1) Citi® Platinum Select® MasterCard • • ” The Citi Platinum Select Card is one of the editor’s favorite for those applicants whose credit rating is fair. This card has a balance transfer feature of 0% APR for 6 months and interest rates as low as 9.99%.
The Citi Platinum Select Card offers a few platinum benefits to include car rental insurance, fraud protection, and up to ,000,000 in travel insurance. All in all, this card has some of the best all-around features for credit cards for fair credit.
2) Bank of America® Accelerated Rewards• ,,• – This credit teased is designed for those with fair average credit and offers a 9.9% FIXED interest rate. On top of that, you can transfer balances from your old credit card and get 0% APR for up to 12 months. There is no annual fee attached to this card either, which is common for credit cards for fair to totalling credit.
Using the reward program, card holders will get 1.25 points for every dollar they spend. The indicated are applied to cash rebates, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates. If you add in theft protection and a personal concierge service you have a pretty good card for people with fair to average credit.
3) ESPN Total Access Visa® Card • • ” This credit card issued by Washington Mutual is probably the most popular credit card for fair credit that we offer. The low interest rate and the reward program that it offers to sports enthusiast is unbeatable. Card holders earn 5 points for every dollar they spend that can be used at the ESPN Shop, ESPN Zones, and ESPN Sports Concierge Service.
In addition the ESPN benefits, cardholders have access to other rewards like VIP access to sporting events, retail, dining and travel rewards. If you are a sports lover with fair to average credit this is your credit card. Oh, and by the way, the interest rate is 9.24% and you get 6 months at 0% for balance transfers!
Twelve months ago credit cards like these were reserved only for those with good to excellent credit. Now with competition what it is these cards are available for people who have a few bumps on their credit report. Keep in mind, credit cards for fair credit are different than credit cards for “bad credit”. The typical person that has fair credit, for the most part, pays their bills on time, but may have a few late payments over a long period of time.
If your credit is below “fair to average” your choices have gotten better as well. The Continental Finance Gold MasterCard® is offering a card for those applicants with poor credit with APR’s as low as 9.75%! The Orchard bank offers a similar card with a slightly higher rate but better terms and benefits.
A well managed credit card is a great way to rebuild or repair your credit. The key is to apply for the card and never use it. Most people think that you have to charge and pay-off debt for the card to show on your bureau. This isn’t the case at all, a credit card that is reported to the bureaus when the account is opened and an open account with a zero balance will boost your credit better than a card with a balance.
About the Author
Aubrey Clark is a writer and editor for Directbanc.com, a directory of credit cards for fair credit. He is also a staff writer for LendFast.com helping people get the best mortgage treating since 1999 by offering unbiased mortgage information and tutorials. Aubrey lives in Atlanta, Georgia with his wif
Saint Leo University?s Bachelors in Criminal Justice Students Offered Special Course on Criminal Gangs in the U.S.
April 11th, 2012 admin
Saint Leo University’s Bachelors in Criminal Justice Students Offered Special Course on Criminal Gangs in the U.S.
Saint Leo, Florida (PRWEB) February 29, 2012
According to the Federal Bureau of Investigation (FBI), there are about 1.4 million members of reprehensively fighting gangs in the country. Exactly how are law enforcement officers plowing with the destructive impact these gangs have on society? That’s one of the questions to be answered at Saint Leo University, April 30 to May 3, 2012. Students engaging a bachelors in condemnable justice degree, law enforcement professionals interested in obtaining a certificate of completion and reprehensible justice students studying online are all invited to recruit in this course.
The Criminal Gangs in the United States course is presented through Saint Leo University’s Institute for Excellence in Criminal Justice Administration and is coordinated by associate professor Barry Glover.
Law Enforcement Experts Contribute Their Expertise
Dismantling the threat illegal gangs bring to communities throughout the country requires the effort of local, state, federal and international law enforcement agencies. That’s why top experts from various segments of the law enforcement field have been tapped to share their knowledge with the students who enroll in this course.
Retired supervisory special FBI agent Sergio Sanz is the featured presenter. Agent Sanz has over 21 years of experience with the FBI and has supervised and directed joint task forces throughout the country. As a law enforcement instructor for over 14 years and a crisis/hostage negotiator for more than 11 years, he brings a wealth of experience to the classroom. His extensive experience includes the investigations of terrorism, bomb threats, violet crimes, organized crime and criminal gangs.
Additional guest speakers include Robert O’Neill, the U.S. attorney for the middle district of Florida, William Bechtold the warden of Coleman Federal Prison, the largest maximum security prison in America, and other experts in the field.
Course Covers All Major Gangs in America
The U.S. Department of Justice identifies three principal groups of gangs: national street gangs, prison gangs and outlaw motorcycle club gangs. This course will devote one entire day to each group plus one day will cover the five most active gangs in Florida.
After completion of the course, students will know the specific characteristics of each type of gang, recognize their identifiable symbols, be familiar with Florida and federal anti-gang laws and understand the importance of gang intelligence.
Four-Day Format Convenient for All Students
All students, whether they are working towards a bachelors in criminal justice, a certificate, or a graduate degree can take this course. On the last day of instruction, students will take a final exam and then have the summer to complete the additional research papers, articles for publication and active learning projects necessary to receive the appropriate credit.
The course is also ideal for law enforcement professionals looking for up-to-date information on criminal gangs. A certificate can be earned for course completion. For students who do not live close to the campus or are pursuing a criminal justice degree online or a masters of criminal justice online and would like to take this course, discounted rates have been arranged at the Microtel Hotel in Zephyrhills and the Hampton in Dade City.
About Saint Leo University
Saint Leo ranks as one of the top universities in the South, according to U.S. News & World Report’s “America’s Best Colleges” list. Saint Leo’s traditional liberal arts campus, located 30 miles north of Tampa, educates more than 1,900 students. Total enrollment across its campus, continuing education centers, and online programs exceeds 15,000. Among the oldest Catholic universities in Florida, Saint Leo is one of the nation’s 10 leading providers of higher education to the U.S. military, and is a nationally recognized leader in online education.
To learn more about Saint Leo University’s bachelors in criminal justice degree visit:
http://www.saintleo.edu/Academics/School-of-Education-Social-Services/Undergraduate-Degree-Programs/Criminal-Justice-Programs/Bachelors-In-Criminal-Justice
To learn more about Saint Leo University’s masters in criminal justice degree visit:
http://www.saintleo.edu/Academics/School-of-Education-Social-Services/Graduate-Degree-Programs/Master-of-Science-in-Criminal-Justice
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Posted in 3 Credit Bureau 
Tags: Bachelors, Course, Criminal, Gangs, Justice, Offered, Saint, Special, Students, U.S., Universitys 
No Comments »Thanks to Theater Seat Store and Their New Line of InteriorMark Theater Seats, Everyone Can Enjoy a Top-of-the-Line Home Theater Experience
April 8th, 2012 admin
Thanks to Theater Seat Store and Their New Line of InteriorMark Theater Seats, Everyone Can Enjoy a Top-of-the-Line Home Theater Experience
Golden, CO (PRWEB) January 31, 2012
Movie prices have increased annually for the past seventeen years, while technology offers the newest releases almost as soon as the end credit roll on the theater test. Add in the woeful decline of movie-goer manners over the past decade or so, and the entire movie-going experience is no longer the thrifty thrill that it once was. Fortunately, TheaterSeatStore.com has a solution that’s destined to become a classic.
TheaterSeatStore.com’s collection of InteriorMark theater seats offers a comfy and affordable alternative to fighting the crowding and shushing the clueless. According to Bill Lorden, Director of Sales for Theater Seat Store, “In these days of ever-increasing movie ticket prices and almost-instant access to even the most popular releases, a quality home theater from Theater Seat Store will practically pay for itself in less time than it take to watch the Oscars.”
The InteriorMark Essex line of home theater seating featuring a space-redeeming design in soft and durable microfiber upholstery with the look and feel of leather. The deeply padded cushions and hinder offer excellent lumbar sponsor which can help ease back pain as the viewer sinks into the consoled and gets lost in the film. The chaise picked rest and motorised angling guarantee easy positioning, so people of all personify types can put up their feet and stretch out with room to spare.
InteriorMark’s Parker line offers a step up in fun and luxurious housed theater furniture. The motorized tip and chaise footrest ensure easy, custom comfort that fits well with whatever décor from traditional to contemporary. Little blue LED illuminate in the cupholders make sure the viewer doesn’t losing a scene while setting down a drink. The Parker line is upholstered in thick, top-grain leather, giving any home theater the kind of style, comfort and durability that people count on from InteriorMark leather home theater seating.
The Aspen line is the pinnacle of InteriorMark’s new home theater seating rim, and is a perfect fit for those who work hard and relax completely. The wraparound bucket seats enfolds the body like a really good story, while the motorize headrest lets the viewer selecting the hone angle for watching the show. The chaise footrest supports legs and lower back, and the LED lights in the cupholders are both practical and fun. The InteriorMark line of home theater seating combines the excitement of the theater with the soothe of house.
About TheaterSeatStore.com – TheaterSeatStore.com is a division of InteriorMark, LLC, who is the market leading retailer of home theater furniture products, entertainment furniture, massage chairs, sofas and sectional sets and bedroom furniture. The company offers a wide range of products and services planning to enhance and beautified a living room space or dedicated home theater environment. InteriorMark is a member of the National Home Furnishing Association, and is proud to be a member of the Better Business Bureau.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Posted in Three Credit Bureau Tags: Enjoy, Everyone, Experience, Home, InteriorMark, Line, Seat, Seats, Store, Thanks, Theater, their, TopoftheLine No Comments »How the Credit Bureaus Make Money from Credit Mistakes
April 5th, 2012 admin
askrondi.com Find out how San Diego credit reporting agencies make money as Poway credit expert, Rondi Lambeth, explains how a mistake on your credit report can cost you literally thousands of dollars!
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Credit Card Debt is Up, Consumer Wages Are Not: If You Are Taking On Debt, Choose Wisely says American Financial Solutions
April 3rd, 2012 admin
Credit Card Debt is Up, Consumer Wages Are Not: If You Are Taking On Debt, Choose Wisely says American Financial Solutions
Seattle, WA (PRWEB) February 22, 2012
According to the Federal Reserve, consumer debt rose 7.5% over the fourth quarter of last year. While this may be an indicator that the economy is recovering, it is also a concern because the increased borrowing is occurring with credit cards as opposed to so called, good debt like homes, education and autos. In addition, consumer wages have been sluggish. For consumers, now is the time to be very cautious regarding any purchases made with credit.
Jeffrey and Rebecca (last name is withheld for privacy) are a married couple with five children who sought credit counseling at American Financial Solutions in 2007. After experiencing high medical bills, she and her husband were having difficulty paying their monthly expenses. Both worked, but, “the money wasn’t enough to get us on track. We relied on credit cards for everything,” said Rebecca.
Rebecca acknowledges, “I told the credit counselor that we could not close our credit cards, because we needed them for emergencies. When the counselor asked me what I had been using the card for, I couldn’t answer. That’s when I understood I needed to change how I looked at credit.”
According to Becky House, Education Manager at American Financial Solutions, Rebecca’s response is not uncommon. “Most people cannot tell you what the majority of debt on their credit cards was for. It could be tires for the car, dinner out, clothing – after a while people just don’t remember. They just keep writing the check. Rather than a savings account, the card becomes the safety net.”
Good Debts
Three formed of debt are generally considered to be good reason to borrow money. These include mortgages, student lend and automobile purchases. To understand why these debts are better than, say credit tease debt, you have to look at what the money is used for.
[1]With a mortgage you are buying something real – something that exists, has value and will increase in value over the years.
[2] Student loans buy education and opportunity. The possibility to advance and improve earnings is real with a degree.
[3] Automobiles have value in getting to and from work as well as providing other transportation. They help with reliability especially if you live in an area where public transportation is circumscribed. In addtion, they are a real, tangible item.
Even full debts have a limit and there are quick rules of thumb that can help someone determine if they are taking on more debt than is reasonable, given their financial situation.
[1] Mortgage payments should be approximately 28% or less of the families or individual’s monthly income.
[2] When borrowing student loans, keep the amount you borrow equal to or less than the amount of income you will gain the first year you come out of school. Use allowing and scholarships as much as possible.
[3] When purchasing a car, complete a thorough budget and determine how much you can comfortably pay back. Keep your total debt payments (home, car, credit cards, student loans, etc.) under 36% of your income. Also shop around for the best interest rate and payment terms.
Looking back, Rebecca sees the value in having credit cards to build credit, but not to borrow money. “We purchased our first home in May. It’s wonderful, but when I think about all the money I spent paying off credit card debt, well, I could have had 20% of my mortgage paid off by now,” she says with a smile.
If you are looking for best way to use your income to pay off debt, talk to a certified credit counselor. They can help you explore your budget and all of your debt management options. Take the first step towards being debt free today.
American Financial Solutions (AFS) is a non-profit 501(c)3 financial education and credit counseling agency that helps people find solutions for managing their money and improving their financial lives. Since 1999, AFS has helped individuals across the United States through one-on-one counseling, classes and the use of debt management plans. AFS is a member of the National Foundation for Credit Counseling (NFCC) as well as the Association for Independent Consumer Credit Counseling Agencies (AICCCA). AFS is also accredited by the Council on Accreditation (COA) and has an A+ rating by the Better Business Bureau. Find us and add us on Facebook, Twitter and Google+ .
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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Best Credit Cards for Home Business in 2012
March 31st, 2012 admin
Best Credit Cards for Home Business in 2012
Los Angeles, CA (PRWEB) January 19, 2012
With more than half of U.S. businesses operating from their home (51.6%), according to a Recent survey by the U.S. Census Bureau, CreditDonkey.com published their updated list of the better business credit cards with the home business owner in mind.
“As home businesses continue to thrive, savvy business owners are turning to business credit cards instead of traditional bank loans,” said Charles Tran, founder of the credit card comparison website, CreditDonkey.com.
Credit card issuers are offering big incentives to entice business owners to sign up.
CreditDonkey.com compared generous rewards, low interest rates, low fees and helpful benefits to determine the best business credit card for home business owners.
“Business credit cards are a competitive advantage for home businesses, when used intelligently. It’s important to pick the right credit card for the specific needs of your home business,” says Tran.
The experts at CreditDonkey.com recommend the following business credit cards, depending on your home business needs:
Cash Back: Chase Ink Cash Business offers $ 250 cash indorse bonus after you spend $ 5,000 within 3 months. 5% cash indorsed on the first $ 25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services. 2% cash supported on the first $ 25,000 spent annually on gas and dining. 1% cash back on all other purchases with no limit to the amount you can earn. All with a $ 0 annual fee.
“Earning cash back helps your bottom line. Business credit cards aren’t just for charging needless expenses. The perks of cash back business credit cards allow you to reinvest into your growing business,” says Tran.
Travel Rewards: American Express Business Platinum offers up to $ 200 airline fee credit to cover incidentals with the airline of your choice. 20% travel bonus when redeeming with Membership Rewards Pay with Points. Complimentary airport club access, including American Airlines Admirals Club lounges. Concierge service to assist with your business needs from gift giving to dinner reservations. Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club, Avis Preferred, and Emerald Club from National Car Rental. There is a $ 450 annual fee.
“Traveling to conferences or meeting clients are well worth the investment. Using business travel credit cards allows business owners to minimize travel expenses while still enjoying the benefits of traveling in comfort,” says Tran.
Cash Flow Management: American Express Plum card offers a 1.5% discount when pay in full within 10 days. Otherwise, pay as little as 10% and take up to 2 months to pay cancelled the balance, interest free. $ 0 introductory annual fee for the 1st year, then $ 185.
“Volatile cash flow, seasonal trends and slow months are problems all home business owners face. Cover expenses with a business credit card until your customers pay,” says Tran.
Home business owners can visit CreditDonkey.com for free comparisons of business credit cards. CreditDonkey.com publishes credit card deals, tips and reviews to help entrepreneurs make informed credit decisions. They can search, compare and apply online, finding the best credit cards for their business needs.
Media Contact:
Charles Tran
charles(at)creditdonkey(dot)com
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Find More Three Credit Bureau Press Releases
5 Credit Bureau Repair Tips
March 30th, 2012 admin Where Do I Go To Get My Free Credit Report? Or, Can I Really Get My Credit Report For Free?
March 21st, 2012 admin
www.LegacyLegal.com Federal law allows you one free copy of your credit report from each of the three main credit bureaus every 12 months. You want to be sure all of your account and personal information is accurate; otherwise your credit rating and credit score could suffer. You also want to be sure your positive efforts are recorded and noted as well. Go to AnnualCreditReport.com and provide your complete information and you can get an electronic copy of your credit report.
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Step 2-Get a Complete Picture of Your Current Credit Situation
March 18th, 2012 admin
Do you find all the commercials and advertisements about free credit reports to be overwhelming? Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, put this great video together for you to share with your clients, to help them learn the three reputable means to obtain a copy of their credit report, and why pulling their own credit is a must! (www.lindaferrari.com)
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Posted in Three Credit Bureau Tags: 2Get, Complete, Credit, Current, Picture, Situation, Step No Comments »