Free 3 Credit Bureau Reports and Scores – Reviews

Everyone is entitled to see their free annual credit report once an year from the government. That’s a given. Their free credit reports from all 3 bureaus. But what’s left out of this ‘free annual credit report gov’ equation is your credit SCORE. Problem is, your credit score is in many sense the most important information you want to see concerning your credit. It determines whether you get approved for unsecured credit cards, mortgage loans, auto loans, personal loans, etc. It also determines your mortgage interest rates. So yes, getting your free credit reports from all 3 bureaus is an important start, but ultimately it’s just the raw data or “exam questions” that’s used to determine your “final grade” or SCORE so to speak. Currently you do NOT receive your 3 scores for free from the government. You have to go to each credit bureau, fill out their lengthy app form, and pay full price to see them. Or, you can try out one of these free 3 credit score trial offers (usually offered by credit monitoring or identity theft prevention services). What’s more, they can conveniently provide your 3 bureau credit reports for virtually free without all of the hassles mentioned earlier (usually just a $1 processing & handlimg fee).

Free Credit Score Comparison Chart
Name Ratings Credit Scores You’ll Receive Credit Bureaus Monitored Trial Period Other Benefits

Single Credit Score Single Credit Bureau $0 Indefinitively Free Credit Score. No Credit Card Required. Free Credit Monitoring.

Single Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 3 Bureau Credit Monitoring.
myscore

Single Credit Score Experian
Equifax
TransUnion
7-Day Free TransUnion Credit Scores. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 3 Bureau Monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law

Free Annual Credit Report vs Free Credit Score Offers

As mentioned earlier, one of the big attractions of free credit score trial offers is that you often get to see both your scores AND your credit files for free or virtually free ($1 fee) during the trial period. They often have these $1 deals where they’ll obtain your 3 credit reports as well. (Ok, well, it’s not technically free, but I think it’s well worth the $1 fee since you won’t have to jump thru hoops and go thru the lengthy & convoluted application process like they put you thru at annual credit report ;). You do have unique cases from time to time where you can obtain your score for free indefinitely.

So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring/identity theft prevention). After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. Others will ofcourse simply cancel the service during the free trial period. But they get to see their credit scores for free. And as mentioned earlier, there are special cases (such as credit sesame) where the scores can be obtained for free indefinitely with no trial limits.

So what’s the best trial offer?

The simple rule of thumb is to find the offer that provides the most information about your credit rating. Some offers provide your free credit score from one credit bureau while others will provide credit reports and scores from all 3 major credit bureaus. Others will sign up for trial offers which provide the longest free trial period. It really varies from individual to individual. The comparison chart and our reviews should help you to decide.

REVIEW:

WINNER: Credit Sesame – Totally Free Credit Score & No Credit Card Required
You just can’t beat what this offer provides. No trial period since it’s indefinitely free. You can access a free monthly credit score, and there’s no requirement for a credit card as well since it’s free indefinitely. So what’s the catch? There is none if you’re the consumer. Long story short, Credit Sesame gets paid by the banks. Not by the consumer like with the other free score trial offers that are promoted by credit monitoring or identity theft protection services. Credit Sesame even offers free credit monitoring as well, so there’s no need for any paid memberships down the line. Pretty unbeatable. (more details…)

RUNNER UP: YourScoreandMore – Your Free Credit Score & 3 Bureau Monitoring
This service provides free access to a credit score very quickly and conveniently. It’s become one of the most popular method for accessing one’s free credit score as well as experiencing 3 bureau monitoring for Experian, Equifax, and TransUnion for identity theft protection and peace of mind. (more details…)

MyFreeScoreNow — Free 2015 Credit Score
The new kid on the block. Features include Instant Score from one of the credit bureaus. A personalized report of factors affecting your current credit score. Email alerts of significant changes to your credit report. An updated credit score each month. Notice of who is looking at your credit. Worth checking out. (more details…)

FreeScoreConnect – Free Credit Score in Seconds
Sign up easily to receive a free credit score. Just answer a few short questions. FreeScoreConnect provides you with the tools you need to access and monitor your financial profile through the program’s credit reporting and monthly monitoring benefits. (more details…)

CONCLUSION

Seeing your free credit reports from all 3 bureaus is important because it gives you details of your credit profile – your free annual credit report. But you also need to see your credit score since that’s ultimately the grade you’re getting from all that data. Once again, the 3 credit reports you get from the govt will NOT include your scores. You need to obtain them separately by ordering them directly from the 3 bureaus or via these free trial offers. Most of these sites have learning resources and tips for helping you to raise your credit score. By understanding how to raise a score and what can lower the score, a person can make conscious decisions to better his or credit to achieve the interest rates that are desired. The free credit score seems like a no brainer, but you need to realize that the majority of them are trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it.


*TIP: For those who’re interested in a fullblown identity theft protection service.

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Ziegler Closes $2 Million Financing for Life Church


Chicago, IL (PRWEB) April 24, 2015

Ziegler, a specialty investment bank, is pleased to announce the successful closing of the $ 2,000,000 Series 2015 Bond issue for Life Church, Walla Walla, Washington, a new client to Ziegler.

Life Church was founded in 1997. The church leased space at a local YMCA before acquiring a facility in 2002 located on 3rd Avenue in Walla Walla. Under the church’s current leadership, weekly worship attendance has grown to approximately 800. Due to the significant growth, leadership searched for a larger ministry facility. In September 2014, the church entered into a contract to acquire a commercial property located nearby on 9th Avenue and developed a plan to sell the current 3rd Avenue church site and lease it back until the acquisition and facility improvements to the new facility site were completed.

In December 2014, the church sold the 3rd Avenue location and subsequently closed on the purchase of the 9th Avenue site in January 2015. The purchase of the new church site was funded with cash of the church and an interim bank loan. Proceeds from the sale of the 2015 Series Bonds were used to pay off the interim bank loan and to fund the first phase of improvements being made to the 9th Avenue site. The first phase of facility improvements will include the construction of a 700-seat sanctuary space, the build-out of a foyer, and the completion of site improvements, including site landscaping, the expansion of the site’s paved parking capacity from 95 spaces to 206 spaces, storm drainage, a new concrete drive approach, and exterior finishes to the building. Upon completion of the facility improvements, the church will relocate ministry operations from the 3rd Avenue site to the new 9th Avenue site.

“With an average weekly attendance of about 800, the church has outgrown the 3rd Avenue site. Bond proceeds will help renovate a more sizeable, functional and visible ministry space to help facilitate growth. The church’s sanctuary seating capacity at the new location will more than double and the larger overall campus will provide growth opportunities for all areas of ministry,” stated Steve Hron, Director in Ziegler’s religion finance practice.

Since our first financing in 1913, Ziegler has become a recognized leader in providing creative, tailored solutions to religious and educational institutions. Focusing on multidenominational places of worship, charter schools and K-12 private schools, Ziegler offers long-term, fixed-rate financing, tax-exempt financing and short-term, variable rate financing.

For more information about Ziegler, please visit us at http://www.Ziegler.com.

About Ziegler:

The Ziegler Companies, Inc., together with its affiliates (Ziegler), is a privately held, specialty investment bank with unique expertise in complex credit structures and advisory services. Nationally, Ziegler is ranked as one of the leading investment banking firms in its specialty sectors of healthcare, senior living, religion, and education, as well as general municipal and structured finance. Headquartered in Chicago, IL with regional and branch offices throughout the U.S., Ziegler provides its clients with capital raising, corporate finance, FHA/HUD, strategic advisory services and research. Ziegler serves institutional and individual investors through its wealth management and capital markets distribution channels.

Certain comments in this news release represent forward-looking statements made pursuant to the provisions of the Private Securities Litigation Reform Act of 1995. This client’s experience may not be representative of the experience of other clients, nor is it indicative of future performance or success. The forward-looking statements are subject to a number of risks and uncertainties, in particular, the overall financial health of the securities industry, the strength of the healthcare sector of the U.S. economy and the municipal securities marketplace, the ability of the Company to underwrite and distribute securities, the market value of mutual fund portfolios and separate account portfolios advised by the Company, the volume of sales by its retail brokers, the outcome of pending litigation, and the ability to attract and retain qualified employees.







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2015 Regina Consumer Choice Award Winners


Regina, SK (PRWEB) April 23, 2015

Consumer solution Award is delighted to announce the 2015 Top companies in their respective areas for Regina. We wish to extend heartfelt congratulations to any or all this year’s champions; your commitment to exceptional service has resonated utilizing the individuals of Regina.

Each year across Canada, Consumer preference Award collects opinions, perceptions and expectations through answers of lots and lots of consumers and organizations. All winners went through a rigorous selection process carried out by an authorized study firm assuring only the most outstanding companies are the winners of their particular industry. Find the listing of honor champions under:

AUTOMOTIVE & TRANSPORTATION

********************************************

WHEATON CHEVROLET

Vehicle Dealer- United States Automakers

260 Albert St. N

Regina

(306) 543-1555 | (888) 672-4201

DILAWRI GROUP OF COMPANIES

Automobile Dealers- Pre-Owned

P.O. Package 27085 R.P.O

Regina

(306) 525-1555

OPTIMUM INSTRUCTION

School- Truck Driving

Website 414, Container 3, RR#4

Saskatoon

(306) 545-9904

CO-OP TAXI

Taxi Company

1654 Angust St.

Regina

(306) 525-2727    

BUSINESS SOLUTIONS

*****************************    

VIRTUS GROUP LLP

Accounting Services

#200- 2208 Scarth St.

Regina

(306) 522-6500 | (888) 258-7677

RAINSOFT (REGINA) LTD.

Water In Bottles Firms

930 Bower Cr.

Regina

(306) 757-7638 | (888) 757-1946

AMBASSADOR COFFEE SERVICE

Coffee Services & Supplies

3241 Saskatchewan Dr.

Regina

(306) 359-3799 | (888) 600-8005

MICROAGE

Computer Training

1060 Winnipeg St.

Regina

(306) 525-0537

COMMISSIONAIRES SOUTH SASKATCHEWAN

Investigators

122 Albert St.

Regina

(306) 757-0998 | (866) 757-0998

IMPACT SECURITY GROUP

Security Guard Providers

288 F Hodsman Rd.

Regina

(306) 546-2182

SASKCAN SIGNS & SERVICE

Signs

1046 Kearns Cr.

Regina

(306) 525-4766

CANADIAN LINEN & UNIFORM SERVICE

Uniform Supplier

180 North Leonard St.

Regina

(306) 721-4848

CONSTRUCTION

*********************

SLABMASTER LTD.

Concrete Repair & Mudjacking

550 Cornwall St.

Regina

(306) 949-8700

WAXY’S BOBCAT INC.

Landscape Supplier

1600 Ottawa St.

Regina

(306) 949-3324

AAA SOLID BASIS REPAIR LTD.

Waterproof & Foundation Repair

PO Box 37052

Regina

(306) 352-1826

WELLNESS & WELLNESS

****************************

FLAMAN FITNESS

Home fitness equipment Product Sales & Service

1544 Albert St.

Regina

(306) 790-9255

UPCOMING VISION OPTICAL

Optician/Optometrist

110 Albert St. N

Regina

(306) 543-1008

LASIK MD

Laser Vision Correction

400- 123 second Ave. S.

Saskatoon

(306) 244-8080 | (866) 366-2020

REGINA SPORTS & PHYSIOTHERAPY CLINIC PC

Physiotherapists

1524 Albert St.

Regina

(306) 522-4995

GUERIN-STEWART PODIATRY CLINIC

Podiatrist- Foot Clinic

534 Victoria Ave. E

Regina

(306) 352-4899

HOME

********

BATH FITTER

Bathroom Renovation

1743 McAra St.

Regina

(306) 757-2284

THE BEVELLED EDGE COUNTERTOPS LTD.

Countertops

1145 Rose St.

Regina

(306) 790-8488

SIMPLY STOWED PERSONALIZED CLOSETS

Personalized Closets

106 Rogers Rd.

Regina

(306) 737-1592

PRAIRIE DUST BUSTERS FURNACE & DUCT CLEANSING

Duct Cleansing

11142 Wascana Meadow

Regina

(306) 721-3722

RESTOREX DISASTER RESTORATION

Fire & Water Damage And Mold Restoration

1465 McDonald St.

Regina

(306) 522-3350 | (888) 522-3350

PRESTIGE INTERIORS

Flooring Business

1636 6th Ave.

Regina

(306) 543-1555 | (888) 672-4201            

ARTISAN DESIGN BUILD LTD.

Home Builder

#7-1801 Turvey Rd.

Regina

(306) 546-8030

MERRY MAIDS OF REGINA

Maid- Home Cleaning Solutions

240-12th Ave. E

Regina

(306) 352-6243

VERICO CROWN MORTGAGE SERVICES

Mortgages

2366- 2nd Ave.

Regina

(306) 791-7750

1 STOP VACUUM CENTRES

Vacuums

1004- 11th Ave

Regina

(306) 352-3212 | (800) 749-5955

BUDGET BLINDS

Window Coverings

1433 Hamilton St.

Regina

(306) 949-2300

LIFESTYLE

**************    

MNP LTD.

Bankruptcy Trustees & Proposal Administrators

#900- 2010 11th Ave.

Regina

(306) 790-7900 | 310-9700

CREDIT COUNSELLING SOCIETY

Credit & Debt Counselling

Wide Street Company Centre

Suite 322- 845 Wide St.

Regina

(306) 525-6999 | (888) 527-8999

PREMIERE SUITES

Executive Suites

470- 340 Waterfront Dr.

Winnipeg

(204) 489-2497 | (877) 489-2497

KNIGHT ARCHER INSURANCE

Insurance – Home & Auto

512 Victoria Ave. E

Regina

(306) 569-2288 | (888) 818-5032

MARTIN SCHOOL OF DANCE & BATON TWIRLING

School- Dance

2078 Pasqua St.

Regina

(306) 352-3601

VICTORIA VETERINARY CLINIC

Veterinarians

628 Victoria Ave.

Regina

(306) 522-8802

About Consumer Selection Award

Customer possibility Award (CCA) was established in 1987 and is considered to be many distinguished prize for company quality in Canada. This is the just organization in North America to identify company quality by performing 3rd party marketing research of both consumer & business neighborhood with analytical reliability. The study method determines all providers, in the end selects the most effective rated companies and establishes the winner within each business.

Consumer solution Award conducts its researching the market strictly with Leger Marketing, the key Canadian-owned marketing research firm and person in the internationally Independent system (victory) of marketplace Researchers.

Customer preference Award lives in Calgary, Edmonton, Halifax, Hamilton, London, Montreal, Ottawa, Quebec City, Regina, Saskatoon, St. John’s, Toronto, Vancouver and Winnipeg.

For More Info:

Patil Angaladian, Advertising Professional, Consumer Selection Award

(888) 892-9273 ext. 209, pangaladian(at)ccaward(dot)com

http://www.ccaward.com







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Parents question the value of some educational conferences

Parents question the value of some educational conferences
"As for a three day conference where you're just going to lectures, you're just being lectured to, I also wouldn't recommend that," said Erin James, President of the Kern High School District Counseling Association. "I believe money would be better …
Read more on Kern Golden Empire

Credit Checkup: 3 Tips as You Get Ready for a Home Loan
… FICO credit scores of 745 but he had been irresponsible early on in life and had collection accounts from college credit cards he defaulted on, as well as limited positive credit," says Tracy A. Becker, president of North Shore Advisory, a credit …
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10 Most Reward-Laden Credit Cards You Can Get With Sparkling Credit
The percentage of U.S. households with credit cards carrying revolving debt has decreased from 44% in 2009 to just 34% today, according to the National Foundation For Credit Counseling. But credit agency Experian notes that the average debt on credit …
Read more on MainStreet

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CreditRepair.com Responds to Pending Credit-Reporting Modifications

Salt Lake City, UT (PRWEB) March 16, 2015

CreditRepair.com, a leading supplier of credit report restoration services, responds favorably towards brand new contract announced Monday between ny lawyer General Eric Schneiderman plus the three biggest U.S. credit-reporting companies, Equifax, Experian and TransUnion.

Under the arrangement, the credit bureaus have approved the hiring of staff members tasked to examine credit conflicts by themselves, straight liaising with credit card companies and lenders. With this, some of the burden to improve erroneous reports are going to be raised off the customer. Furthermore, health debts is awarded a 180-day waiting period to allow time for insurance coverage payments to be applied.

“Sometimes technically accurate, but totally unjust, credit rating can appear within credit history. Certain kinds of charged-off medical financial obligation are an ideal exemplory instance of this,” stated Scott Smith, President of CreditRepair.com. “The agreement achieved by the condition of New York with all the major consumer stating companies constitutes an actual victory for customers inside regard.”

Relating to a December 2014 report by the customer Financial cover Bureau (CFPB), over 43 million Americans have actually delinquent medical financial obligation on the credit file. This sums to one in five credit reports becoming negatively affected. Additionally, the CFPB found that some 15 million consumers will have no collection items on their credit file if you don’t for the health financial obligation on these reports.

Smith goes on, “The new mandates on health debt particularly offer a fair time buffer for customers and insurers to work out complex payment arrangements ahead of the financial obligation is sent out for choices. That’s a very good thing, because selections and fee offs will ruin fico scores for seven many years before they age off of the affected credit history.”

Implementation is anticipated to start over the after that few months aided by the probability of additional agreements coming.

About CreditRepair.com

CreditRepair.com is a respected supplier of credit history fix services in america. CreditRepair.com’s team of credit professionals teach and empower individuals take control of their particular credit and ensure that what lenders report to credit bureaus is substantiated, fair and precise. CreditRepair.com’s technology provides a personal on line dashboard, credit rating tracker and evaluation, cellular apps, text and email notifications, and credit tracking. For more facts about CreditRepair.com, kindly go to http://www.creditrepair.com.







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Cop Filed Fake Reports to Help Clean Up Customers' Credit History

Cop Filed Fake Reports to Help Clean Up Customers' Credit History
Rafael Duran, a 43-year veteran of the Miami-Dade Police Department, was indicted today on charges of conspiracy to commit wire fraud and other wire fraud offenses. The officer had partnered with a credit repair business and filed fake police reports …
Read more on Miami New Times

NACSO Applauds Injunction against Fraudulent Credit Repair Services
The National Association of Credit Services Organizations, NACSO, supports and applauds the Federal Trade Commission's complaint and injunction (Civil Action Number: CV15-01921-DDP-PJW filed in The Central District of California Federal Court) …
Read more on Virtual-Strategy Magazine (press release)

BestCreditRepairCompanys.com Releases New Survey About Important Factors
San Francisco, CA — (ReleaseWire) — 04/14/2015 — BestCreditRepairCompanys.com (BCRC) released a new survey about the most important factors potential clients look for in credit repair companies. The BCRC team released this survey to get a better …
Read more on Digital Journal

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Chicago Window Substitution Company Updates to Mobile-Friendly Internet Site


Chicago, IL (PRWEB) April 20, 2015

Chicago’s top screen installation organization, Window Concepts, recently launched a unique mobile-friendly website for the consumers.

The changes are part of the organization’s effort to produce searching a less strenuous and much more intuitive experience than what other residence remodeling and screen organizations usually provide to their mobile web sites. The updated website includes a cleaner, user-friendly design which makes researching home improvement jobs much easier than ever before.

The alterations in the design are also available in part thanks to the future algorithm changes from Bing. The search engine begins favoring mobile-friendly websites in their search results over those that are not.

The new design is going to make it much easier for customers investigating the business to their cellular devices to locate the website, browse services, make price inquiries and learn more about the organization’s services. Although the mobile website is more simplified in comparison to its desktop computer counterpart, it can integrate the same functions.

Visit the new site at http://www.window-concepts.com/

About Window Concepts:     

Since Brian Murphy and Bob Domek started their doorways inside Chicago area in 1982, household owned Window Concepts has provided quality benefit residents from Joliet to Kankakee so that as far west as Woodstock.

Pleased to-be ranked A+ because of the Better Business Bureau, the group takes pride when you look at the service they offer to their customers providing traditional service, using quality brands and products with of the greatest warranties on the market. An associate regarding the Window Concepts staff will check out your property, program examples and work side-by-side with each customer to find the best answer for your house. The representatives tend to be knowledgeable in regards to rebates and taxation credits, that you may qualify for.

To better teach our customers, we have produced H.O.M.E., Homeowners Online repair e-book, a handy variety of videos that will help you with do-it-yourself projects, making choices about materials, and a simple how-to movie help guide to help you keep value in your house. We not only wish get your trust as a client, but in addition give you information to help keep your home in top condition and cut costs along the way. For more information, kindly visit: http://www.Window-Concepts.com or phone 847-621-2680.

XXX

Media contact:

Christine Holtz

Phoenix Marketing Associates

602-282-0202







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What Are Credit Monitoring Alerts? – Credit Quiz

What’s a credit reporting alert, and how why is it important? In this video in freecreditscore.com’s “Credit in 60 Seconds” series, you’ll learn why, along with the benefits of knowing…
Video Rating: 5 / 5

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Latest Credit Counseling News

Jeanine Skowronski: Get your credit score ready for homebuying season
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Fair housing, financial wellness clinic scheduled
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Court Shuts Down Credit Repair “Scam” that Targeted Latinos
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Fidelity Capital Releases Report for First Quarter of 2015

(PRWEB) April 16, 2015

Fidelity Capital, a company dedicated to providing simple and trustworthy equipment leasing and financing services for a variety of industries (mainly for the technology, cloud computing, medical and manufacturing sectors), recently released its first quarter report for 2015.

The numbers show growth and improvement in almost every area of service that Fidelity Capital provides. Small ticket applications (deals that range from $ 75,000 to $ 250,000) are up from 1st quarter of 2014 by 22%. The approval rate on those transactions has increased from 87% to 91% year over year. In the technology, cloud computing and medical sectors, Fidelity has seen even more growth than they ever imagined.


Medical Equipment Financing & Leasing – a slight increase in applications in the first quarter over last year, with 89% Approval for medical offices, hospitals, doctors…

Technology Equipment Financing & Leasing – Growth in the Technology sector has been steady with an increase of 10% in applications from last year. We have been able to get 92% of those deals approved and funded.

Transportation Equipment Financing & Leasing – With our target market expanding into different sectors we have seen a 84% approval ratio with the trucking industry. The industry includes long and short haul trucking.

Manufacturing Equipment Financing & Leasing – It seems that US Manufacturing has increased recently with a 27% increase in applications for equipment such as CNC Machines (mills, lathes etc) along with semiconductor manufacturing equipment. Approval ratio in this space was 92%.

Dental Equipment Financing & Leasing – This sector hasn’t shown us much growth it has actually had a slight decline of 5%, we are still optimistic that this sector will show some growth after Tax season.

Cloud Computing – Of all sectors, this has been Fidelity Capital’s forte. Having had a presence at the web hosting convention in 2014 and a diverse array of customers in this space, Fidelity Capital has been able to get 96% of these deals approved.

“With the increase in approvals overall in the first quarter, we are seeing more and more customers come through the door,” said Alan Eppstein, Account Executive at Fidelity Capital. “We have also shortened the process that customers have to go through to seek an approval for their financing or leasing needs. This means we’re giving a better customer experience to more customers overall, and the results speak for themselves in our first quarter report.”

Fidelity Capital has also had some significant internal growth. Sales staff has increased by 10%, and there have been many new upgrades to the company’s IT infrastructure. A new plan will help the company to hire a new sales team to increase its customer service capabilities. With specific targets in mind, this team combines a healthy blend of young and more experienced reps with the shared goal of helping to increase Fidelity Capital’s portfolio across all industries and service types.

Additionally, Fidelity Capital has increased the amount of services that it provides to customers. The company recently began working with customers in need of working capital. While plenty of “leasing companies” offer working capital, typically they act as a broker. Fidelity Capital has the means to handle these deals with their own funds but can also mitigate risk by brokering the transaction, or a part of it. Being a privately held company with independent funds and lines of credit, Fidelity has done a great job of adapting to what the market needs.

Fidelity’s customers range from startup tech companies to established conglomerates. With the recent growth in the technology, cloud computing and medical sectors over the past five years, Fidelity has done a great job of keeping up with the competition and separating themselves by allowing their customers to work with them for all of their financing needs. Venture backed companies can come to them for venture debt at competitive market rates, while an established medical group can simply pick up the phone and have one of the reps at Fidelity Capital get them approved at prime rates within two hours for equipment leasing/equipment financing or working capital.

With more than 16 years in business, Fidelity Capital has improved its foothold on the leasing and financing market. The company continues to expand and improve the customer experience in all of its services. With the United States economy growing at a blistering pace, Fidelity Capital has shown the ability to stay ahead of the demand and meet the needs of its customers.

For more information, including tools to help customers understand leasing and financing and to submit a request for a capex budget, visit http://www.fidelitycapitalonline.com.







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NACHA Announces Speakers for Spotlight Speaker Series and New Topical Talks at PAYMENTS 2015


HERNDON, Va. (PRWEB) April 09, 2015

NACHA – The Electronic Payments Association® today announced the speakers for its “Spotlight Speaker Series” and “Topical Talks” at PAYMENTS 2015. PAYMENTS, which takes place April 19-22 in New Orleans, Louisiana, is the largest and most comprehensive education event for the payments industry.

The “Spotlight Speaker Series” features sessions on topics influencing the future of payments, and this year explores themes around innovation. The “Topical Talks,” which is a new offering, provide opportunities for small group chats around trending topics in the payments industry.

“PAYMENTS 2015 serves as an opportunity to help the industry further the conversation around the future of payments,” said Janet O. Estep, president and CEO of NACHA. “The sessions and speakers in our ‘Spotlight Speaker Series’ and ‘Topical Talks,’ as well as our keynote speakers, provide for thoughtful and provocative dialogue on the developments and forces that are disrupting and redefining payments.”

The “Spotlight Speaker Series” features four sessions including:

    “Continuous Innovation: Insights & Unexpected Outcomes,” led by William Wang Graylin
CEO, LoopPay Inc., will provide attendees with insights and strategies from a leading innovator on how to approach innovation in an ever changing environment;

    “Examining Mobile Payments Consortia,” a panel session moderated by Richard Crone
CEO and Founder, Crone Consulting LLC, will explore the pros, cons, risks and challenges of building a mobile payments consortia;

    “Legal Implications of U.S. Payment System Improvement,” sponsored by BNY Mellon, will examine the legal and regulatory implications surrounding the vision outlined in the Federal Reserve’s Strategies for Improving the U.S. Payment System; and
    “Innovating Federal Payments: Looking to the Future,” led by John Hill, Chief Disbursing Officer, U.S. Department of the Treasury, Bureau of the Fiscal Service, will provide an overview of how emerging issues and trends are influencing the government’s role in the payment management space.

The “Topical Talks” — co-sponsored by Bank of America Merrill Lynch, Citi, Lockheed Martin, OpenText GXS and TransCentra Inc. — feature five discussions that serve as learning and networking opportunities, including:

    “Integrated Receivables,” led by Bill Ensslen, Vice President, Solutions Delivery & Product Management, TransCentra Inc.;
    “Inefficiencies in Current Payment Infrastructures & How/If Financial Institutions Should Respond,” led by Ather Williams, Managing Director, Head of Global Payments & Global Strategy, Bank of America Merrill Lynch;
    “The Evolution of Insider Threats in Financial Services,” led by Roccie Soscia, Deputy to Counterintelligence Director, Lockheed Martin;
    “Future-Proofing Your Payments Environment,” led by Manish Jain, Financial Services Strategy Leader, OpenText GXS; and
    “Continuing the Conversation with Howard Putnam,” led by Howard Putnam, Author and Former CEO, Southwest Airlines.

The “Spotlight Speaker Series” and “Topical Talks” speakers complement recently announced PAYMENTS 2015 keynote speakers. This year, Jason Dorsey, known as the “Gen Y Guy”, delivers the opening keynote. During his presentation, “Crossing the Generational Divide: Unlocking the Power of Generations to Grow Your Business,” he will share new research, anecdotes and step-by-step actions to help companies drive sales, create better leaders and innovate faster.

In the Monday afternoon keynote, Chuck Todd, moderator of “Meet the Press” and political director for NBC News, will provide a comprehensive picture of the current political landscape and interpret the latest issues facing the country from the first-hand point of view of a seasoned media veteran. Former Southwest Airlines CEO Howard Putnam keynotes the Tuesday NACHA Payments System Awards Luncheon, sponsored by TD Bank, N.A., where he will advise the audience on how to create a culture of innovation.

For a complete list of featured speakers for the “Spotlight Speaker Series” and to learn more about the “Topical Talks” or other PAYMENTS 2015 activities, please visit https://payments.nacha.org/.

About PAYMENTS 2015

PAYMENTS 2015, which is taking place April 19-22 at the New Orleans Morial Convention Center in New Orleans, Louisiana, features more than 130 educational sessions and workshops with renowned speakers from financial institutions, corporations, government agencies, legal and regulatory bodies, consulting and research firms, service providers and more. Sessions are organized along seven tracks — the ACH Network, Card Payments, Digital/Mobile, End User Experience, Game Changers & Disruptors, Risk & Security and Strategy – to address the topics of pivotal importance to payments professionals. In addition, a dynamic exhibit hall of nearly 100 industry leaders features today’s top products and services.

To learn more about PAYMENTS 2015 sessions, workshops, speakers, sponsors and exhibitors, or to register, visit https://payments.nacha.org.

NACHA — The Electronic Payments Association

Since 1974, NACHA – The Electronic Payments Association has served as trustee of the ACH Network, managing the development, administration and rules for the payment network that universally connects all 12,000 financial institutions in the U.S. The Network, which moves money and information directly from one bank account to another, supports more than 90 percent of the total value of all electronic payments in the U.S. Through its collaborative, self-governing model, education, and inclusive engagement of ACH Network participants, NACHA facilitates the expansion and diversification of electronic payments, supporting Direct Deposit and Direct Payment via ACH transactions, including ACH credit and debit payments, recurring and one-time payments; government, consumer and business transactions; international payments, and payments plus payment-related information. Through NACHA’s expertise and leadership, the ACH Network is now one of the largest, safest, and most reliable systems in the world, creating value and enabling innovation for all participants. Visit nacha.org for more information.







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