Randall Vs. The Mad Indians Take 3! (Vulgar Language)


The guy he is calling is a scammer who harasses people with multiple threats. This is a 3rd call. As you can see they are very vulgar and there is more than one of them. So be alert and aware. Do not give in to these crooks. Do not give them your hard earned money. Here’s the information on him and his co-scammers from the FBI Site: Telephone Collection Scam Related to Delinquent Payday Loans 12/01/2010—The IC3 receives a high volume of complaints from victims of payday loan telephone collection scams. In these scams, a caller claims that the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be repres…entatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, US Cash Advance, US Cash Net, and other Internet check cashing services. One of the most insidious aspects of this scam is that the callers have accurate information about the victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and names and telephone numbers of relatives and friends. The method by which the fraudsters obtained the personal information is unclear, but victims often relay that they had completed online applications for other loans or credit cards before the calls began. The fraudsters relentlessly call the victim’s home, cell phone, and place of


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Credit Score Raise. Tips to raise credit score fast


Credit Repair Tips www.mortgage2search.info Credit Card Balances Keep your Credit Card Balances 30 -35% below their limits Correct reported Limits Confirm the credit card limits are accurately to all credit bureaus Are the good credits reported? Make sure your good credit is being reported to all 3 bureaus Is your Home Equity Line Of Credit (HELOC) categorized correctly? HELOCs should be reported as mortgages or installment accounts Bankruptcy report Ensure that accounts declared in a bankruptcy are reported with a zero balance Request for change by letter Send your request via an express overnight, certified letter to the appropriate credit bureau. Request change on-line Create dispute online to get an immediate response How long and how many score point? It will take 30 to 60 days to correct the report It can be an improvement of 50 to 100 score points How to Start? Visit web site: Mortgage2Search.ca Submit your application We love to hear your comments. Please subscribe to this channel for up coming videos.


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Nonprofit Charity Provides Homeowners Free Loan Modifications to Avoid Foreclosure


Nonprofit Charity Provides Homeowners Free Loan Modifications to Avoid Foreclosure

Deerfield Beach, FL (PRWEB) September 22, 2011

Debt Management Credit Counseling Corp. (dmcconline.org), a non-profit-making charitable organization (“DMCC”), announced today that as part of its new Foreclosure Prevention Program it is providing qualified homeowners free loan modification services. Under this program, DMCC will prepare and submit loan modifications for homeowners free of charge if an initial assessment indicates that they qualify for a loan modification through the Home Affordable Modification Program (HAMP) or the Home Affordable Refinance Program (HARP), and it is a recommended solution for the homeowner to avoid foreclosure. DMCC housing counselors will analyze information render by the homeowner and provide them a written action intended with recommended solutions to avoid foreclosure base on their personal situation and goals. It is essential that whatever homeowner who faces such decisions understands all their available options and seeks a solution from a HUD Approved Housing Counseling Agency such as DMCC.

Apart from those who knowingly take split in mortgage fraud, most homeowners face sudden extenuating circumstances that force them to stop do their mortgage payments; some of these reasons may be job loss, an illness, a death in the family or even an adjustable rate that has gotten too expensive. DMCC housing counselors can help these consumers avoid foreclosure by providing education and guidance about their available options, making this already overwhelming situation much more manageable. “We discuss everything from loan modifications and short sales to programs that are currently offered by the government. Our job is to supply the homeowner with the knowledge so they can make an inform decision” said Stephen Lichtenberger, Operations Manager for DMCC. “We create an up to date budget with homeowners, as we believe this is a vital step in the process to help prevent the future stake of losing their home by maximizing their finances.”

DMCC housing counselors will reexamining available options with the homeowner and recommend the solution that best meets their fiscal situation. Possible solutions to prevent foreclosure include refinance, repayment plan, forbearance agreements, loan modifications, short sales, and rearward mortgages. If a loan modification through the Home Affordable Modification Program (HAMP) or the Home Affordable Refinance Program (HARP) is a viable and desired solution for homeowner, DMCC will prepare and submit the required modification documents to the homeowner’s mortgage lender. DMCC provides this service free of charge, along with personal budget counseling and other financial education, as part of their charitable mission. Debt management plans to assist consumers with the repayment of credit card accounts are also available. Lower credit card payments obtainable through debt management plans, combined with budgeting, is an option that may provide sufficient relief for homeowners to enable them to drop their monthly bond payment.

In order for homeowners to maximize the options available to them to prevent foreclosure, it is imperative that they seek assistance as soon as they know they will not be able to fitting their bond payments. Once a mortgage lender commences foreclosure proceedings, many options cease to be available. Homeowners wishing to acting advantage of this free service should contact DMCC at 866-618-3328 Monday through Thursday 9:00am to 5:00pm ET or Friday 9:00am to 3:00pm ET and ask to mouth with a housing counselor.

About Debt Management Credit Counseling Corp.

DMCC is a non-profit-making 501(c)(3) public charity committed to educating consumers on fiscal issues and furnishing personal assistance to consumers overextended with debt. Education is supplied complimentary of charge to consumers via seminars, workshops, a proprietary fiscal literacy program, and a Brobdingnagian array of online and printed materials. Free personal reding is provided to consumers to place the better options for the repayment of their debt. Consumers interested in mouthing with a DMCC manifested credit counselor may name (866) 618-3328 or request assist at dmcconline.org. DMCC is a HUD Approved Housing Counseling Agency, is sanctioned by the U.S. Trustee to supply bankruptcy reding and education, and has an A+ rating with the Better Business Bureau.

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Non Profit Charity Presents Educational Seminars to Teach High School and College Students About the Wise Use of Credit


Non Profit Charity Presents Educational Seminars to Teach High School and College Students About the Wise Use of Credit

Deerfield Beach, FL (PRWEB) August 31, 2011

Debt Management Credit Counseling Corp (dmcconline.org), a non-profit-making charitable organization (“DMCC”), announced today they are currently scheduling free financial literacy seminars for students in South Florida high schools and colleges for the 2011/2012 school year. DMCC speakers travel to each school location to support the faculty in their efforts to teach students how the financial decisions they make today can really affect their future. DMCC speakers pack a fun and interesting presentation for their audience while disseminating materials to support their lessons. Lesson topics include the importance of credit, how credit works, credit cards, budgeting, the formulation of credit reports and credit scores. DMCC is able to cater seminar topics based upon request.

In addition to their seminars, DMCC also offers students a free financial literacy program entitled “Debt, Money & Credit Concepts.” This proprietary self-study course contains 12 separate lessons featuring financial topics encountered on a daily basis and information to help students better their own finances. The program is available online or in a printed workbook. Once all students in a class complete all 12 modules, DMCC can arrange a visit to the school to present the certificates of completion to each student. Read more about this program.

“Teachers number on us to speak to their students and instruct them sure fiscal topics, so they incorporate us in their curriculum,” said Jason Athas, Manager of Special Programs at DMCC. High schools seniors are prime target because many of them are just turning of age to obtain ascribe. Making sure they know how to handle that responsibility is critical for their future. College students are also but as important as an audience because many of them are actually living their financial lessons. How a college student uses credit, can make or break their financial later. “We teach the fundamentals of good credit while some college students have learned from their short experience with credit cards. We are here to make sure they understand about ascribe from the start.”

DMCC has been offering this program to South Florida schools since 2001 as part of its charitable mission. Educators in high schools and colleges across South Florida are encouraged to moved advantage of this free service. To schedule a seminar or workshop, contact the Education Department by calling 954-418-1466 or send an email to education(at)dmcconline(dot)org.

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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Credit Restoration Depot (Atlanta Georgia) Pt 3 of 4


Alison Feliciano & MyCRD.org will not only show you how to restore your credit but educate you about the the credit agencies and your rights under the FCRA of 1971. Call us at 877-745-7267
Video Rating: / 5


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Credit Score:five Common Myths


Your credit score is an integral half of your money life. It’s important that you just understand what it’s all about. Lenders, landlords, insurers, utility corporations and even employers look at your credit score. It is derived from what is in your credit reports, and it ranges between 300 and 850. Yet, consistent with a survey that was recently conducted, nearly half of all Americans do not grasp how these scores are derived or even what factors are used to come up with them. As an example, if your credit score is five hundred eighty you’re most likely visiting pay nearly 3 proportion points additional in mortgage interest than somebody who had a score of seven hundred twenty. Or another means of looking at it, if you had an one hundred fifty thousand dollars thirty-year mounted-rate mortgage and your credit score was sensible enough to qualify for the simplest rate, your monthly payments would be about eigth hundred ninety dollars. This is in step with Fair Isaac, the corporate that created the FICO score and who the speed is named afte (Honest Isaac COrporation). If your credit is poor, however, it’s very seemingly that you’d have to pay more than one dollar,two hundred a month for that terribly same loan. With therefore a ton of depending on the credit score, its necessary to understand what it is all regarding and what are the things that have a result on it. Unfortunately, people commonly have a heap of misinformation and misunderstandings about their credit score
Video Rating: / 5


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Get Your Free Credit Scores From All 3 Bureaus


tinyurl.com Many people buy their homes with a mortgage and pay off their cars with a loan. Many college students will get a loan to pay for their college tuition. and as it turns out many people will purchase items via credit cards. Credit is a difficult thing to come buy, but as people we must apply for it. When people ask you to borrow money, you might be hesitant to lend out money. A bank, retailer, financial company, or even a stranger will not give you credit without knowing a little about you. Before banks and retailors needed to call each one of your creditors listed on your application before they decided to extend you credit. But, today it’s a little different. Every body relies on credit reports to make a decision on you. Therefore, it is so very important for you to know what your credit scores are.
Video Rating: / 5



Teresa Tims, (909) 920-3500 www.TheSoCalLoanPro.com shares her overstep secrets on how to improve your credit score if you are in an active home lend transaction and don’t qualify. FHA VA Conventional

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What If the Credit Bureau Cannot Verify Negative Information on My Credit Report?


What If the Credit Bureau Cannot Verify Negative Information on My Credit Report?

This is a very insightful question. Right information is power and what I will give you here is the right information on what you should do if the credit bureau cannot verify the correctness of negative information on your credit report within the stipulated time.

According to the Fair Credit Reporting Act, FCRA, a credit bureau that has negative information listed in your credit report has just 30 days to investigate the correctness or wrongness of such information on your report. If within 30 days they are not capable to complete their investigation, then they MUST delete the negative information from your report. It does not matter anymore whether the information is actually correct or not.

The important thing in this case is that they are not capable to complete their investigation within the period the law mandates and as a result, they are required to delete it from your report.

If on the other hand, they complete their investigation within 30 days and the result shows that the negative information on your report does not belong to you, they are required to delete the negative information immediately. In addition to this, they are necessitate to send you a letter notifying you that they have deleted the negative information from your report.

One important thing you should bear in mind when you are sending your challenging letter requesting the credit bureau to delete the negative information from your report is to send it by registered mail. THIS IS VERY IMPORTANT. The reason is because you will have an evidence of the delivery of the letter and the credit bureau cannot disclaiming not receiving your letter.





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Credit Myths on TV (Part 2 of 3)


National credit bureau and Texas lender explain the credit process and Loan Approval difficulties with Chet Wilke host of TXCN “Your Real Estate Advisor”.
Video Rating: 5 / 5


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Hotel Guests More Likely to Be Credit Card Hacking Victims [Infographic] – CreditDonkey Study Illustrates Danger


Hotel Guests More Likely to Be Credit Card Hacking Victims [Infographic] – CreditDonkey Study Illustrates Danger

CreditDonkey

Los Angeles, CA (PRWEB) July 12, 2011

Announcing the release of a new infographic today, CreditDonkey has identified the hotel industry as the top danger facing credit card users this summer.

Infographic: http://www.creditdonkey.com/hotel-ascribing-card-hacking.html

What do guests expect when staying at a hotel? Studies have found that cleanliness, amenities, quality beds and safety consistently make the top of the list. In fact, as illustrated in the infographic, more people become victims of credit card fraud and scams while dealing with the hotel industry, than when interacting with any other industry.

The Numbers
The infographic’s ocular, based on a myriad of sources such as stories in The New York Times and Los Angeles Times, and information provided by observers of the hotel industry, paints a grim fancied of the security offered by hotels with the finding of 38% of all credit card hacking involves hotels. This is duplicating the number of hacking done in the seeded industry, which is ranked 2nd at 19%. Other, retail, and restaurants and bars came in thirdly, fourth and fifth respectively with 15.8%, 14.2% and 13%.

Charles Tran, founder of CreditDonkey, aforementioned this news was highly unexpected to him and his team. “Frankly, yes, we were surprising at the numbers exhibit that hotel visitors run the greatest risk of all for having their credit card information stolen,” Tran said. “However, we are hopeful that the tips on how to quickly and easily protect yourself, included in the infographic, will help keep travelers safe this summer.”

Lack of Security Upgrades
As shown in the CreditDonkey infographic, the recent economic recession has hit the hotel industry particularly hard, which may have kept some hotels and hotel chains from upgrading their computer security systems as much as they should have. This could be one of the main reasons they have become prime hacking and credit card fraud targets.    

Two Recent Incidents
There have been a number of costly case that appear to back up the findings presented in infographic. In one recent III-month-long hacking incident, credit card information was stolen from 700 hotel guests resulting in losses averaging from $ 2,000 to $ 3,000 per credit card account.

In a separate incident in the Lone Star State, hotel guests are now being targeted by a new scam, according to Monica Horton, president of the Better Business Bureau of North Central Texas. “The BBB has been alerted of a scam that is again plaguing hotels and their guests, whereby a scam artist obtains the credit card information of hotel guests over the phone,” stating Horton.

Explaining how the scam works, Horton said, “The caller indicates they are a hotel employee, and the hotel computer system has crashed. To complete the hotel audit, they must have the credit card number. Many times, the caller also offers a discount on the room for the inconvenience. These callers are very convincing, and many hotel guests do fall for this scam.”

Horton added that the calls are normally made when guests are sleeping. The BBB has yet to determine whether or not the calls are being made from within the hotels or from people who have the direct numbers to specific rooms.

The BBB of Central Texas is actively trying to get the word revealing about this new scam by contacting hotels. Horton wrote in a letter send to hotels in Wichita Falls, “Please alert your hotel guests of this scam and remind them not to provide their credit card information over the ring during their stay. Let them know if there is ever a problem with billing, your staff will handle it at the front desk and not over the phone.”

Can We Protect Ourselves?
CreditDonkey says that credit card users can protect themselves from identity theft by reviewing credit card purchases and regularly checking their online statements for unknown purchases. Criminals will often make numerous small “test” purchases to test the card owners’ vigilance, before they try to steal a large amount.

Tran added, “Unfortunately, this is the world we live in today. We’d just be foolish to think our electronic data was safe. It is not. We must assume that all of our electronic personal information may be compromised, because that is in fact the case. This means we must be diligent about regularly checking our accounts and credit reports, just as we are about checking our windows and doors before going to bed at night.”

The BBB says that people should never give out personal information over the phone if they did not initiate the call. And, while staying in a hotel, guests should only give out their information in person.

To see the complete infographic and read more coverage about credit card safety and threats in hotels, visit CreditDonkey

About CreditDonkey
CreditDonkey is a credit card comparison site that publishes credit card research, informed opinions and related news/trends that empower American consumers to make informed credit decisions. Use CreditDonkey and save time and money.

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